Job Openings at Gulf African Bank

To achieve business growth in both SME and retail segment. The role holder will have the responsibility of onboarding quality using lead generation and marketing drives whilst maintaining/building customer relationship and account information.

Key Responsibilities:

• Acquisition & Business Development
• Acquire new Retail and SME accounts on a monthly basis.
• Expand and strengthen relationships with existing Retail and SME clients
• Identify cross-selling opportunities to grow the customer portfolio size.
• Drive deposit growth within the acquired Retail and SME customer base.
• Increase Non-Funded Income (NFI) through value-added services.
• Compliance
• Provide consistent customer engagement and personalized support.
• Regularly update and maintain customer records in line with bank policies.
• Ensure a seamless customer experience to foster loyalty and referrals.
• Other
• To safeguard and promote the bank’s image with the general public
• To assist in other issues aspects such as issue escalation and resolution to support our growth strategy
• Compliance & Operational Excellence:
• Adhere to all internal policies and external regulatory requirements.
• Comply with operational and credit policies during client onboarding and servicing.
• Ensure accurate recording of all customer engagements and interactions.
• Brand and Support
• Act as a brand ambassador by upholding and promoting the bank’s image.
• Address and escalate customer issues promptly, ensuring timely resolution.
• Support overall bank growth strategies by participating in campaigns and team initiatives.

Qualifications and Experience:

• Bachelor’s Degree in any discipline from a recognized institution.
• Minimum KCSE Grade: C+ (or equivalent).
• Strong interpersonal skills with the ability to build lasting relationships.
• Excellent communication and presentation skills.
• Sales and customer service experience is an added advantage.

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• This role ensures that products meet quality standards and customer expectations. The role holder will provide subject matter expertise for design, development, and maintenance of new and existing testing and execution frameworks, continued evaluation of test cases for inclusion in functional tests, regression tests, performance tests, test coverage and automation of newly implemented functionalities.
• The person will also work closely with both vendor and internal technical teams, business teams, project, and technical delivery managers to form and follow quality procedures, standards, and specifications ensuring that they are met and deliver the highest quality outcomes in a timely and cost-effective manner. The role holder also performs a critical role in leading the reviews of solution architectures and designs and ensuring that they are in line with the architecture principles, standards, and industry best practices.

Key Responsibilities:

• Work with IT Team and Vendor Teams to validate Unit Testing, API Testing, Integration Testing, system testing, and automated regression testing and collaborate with developers to conduct end-to-end defect analysis and resolution of defects, and in reviewing test results for maximum test coverage.
• Lead the definition and execution of non-functional tests such as performance, load, stress, security, operational acceptance and business continuity testing, and ensures that solutions meet the minimum baseline standards and benchmarks before deployment to production.
• Formulate non-functional test strategies which includes decomposing the business and technical requirements into test scenarios, defining test data requirements, managing test case creation, devising contingencies plans and other testing preparation activities.
• Lead reviews of test plans, designs, test scenarios, test cases, test scripts and requirements documents with cross-functional teams for both functional and nonfunctional testing to ensure maximum test coverage.
• Work with the IT production and support teams in supporting, Identifying and resolving post deployment systems issues.
• Work closely with IT support and vendor support for management and maintenance of Test Environments on premise and on cloud platforms.

Knowledge and experience:

• Bachelor’s degree in Computer Science, Computer Engineering, Information Technology, or a related field of study.
• 6 years of progressive experience in Information Technology with focus on Business
• Analysis or Architecture or Software Development or Quality Assurance.
• 3 years Technical Software Quality Assurance.
• 2 years’ experience in Software Testing Automation with any one of the following tools:
• Selenium Web driver/Katalon Studio/Robot Framework/REST Assured/Cucumber, and HP Load Runner/JMeter.
• 3 years’ experience in software QA methodologies, tools, and processes.
• Good presentation & data analytical skills and Business Process Documentation

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• To support the credit risk and monitoring functions by ensuring that all collateral related documentation, including insurance, valuations, and car tracking for secured credit facilities, are accurately maintained, monitored, and up to date in compliance with internal policies and regulatory requirements.

Key Responsibilities:

• Insurance Management
• Verify that all insurance policies for secured credit facilities (vehicles, property, etc.) are in place and meet bank requirements before disbursement.
• Ensure timely renewal of insurance policies and follow up with the business teams and insurers to avoid lapses.
• Maintain an up-to-date insurance register for all credit facilities.
• Coordinate with approved insurance providers and ensure claims processes are wellhandled where applicable.
• Track and report non-compliance or gaps in insurance coverage.
• Review and file insurance certificates, policy documents, and endorsements.
• Liaise with insurance companies and brokers to verify policies and claims processes.
• Coordinate with Relationship Managers to follow up on insurance requirements.
• Assist in initiating and tracking insurance claims on behalf of the bank in case of asset damage or loss.
• Ensure timely submission of claims and follow up with insurers until settlement.
• Conduct due diligence and performance reviews of insurance companies and brokers.
• Prepare regular reports on insurance coverage status and exceptions for management.
• Valuations Coordination
• Coordinate with approved external valuers to ensure timely and accurate valuation of collateral (e.g., land, buildings, vehicles, machinery) for credit facilities.
• Review valuation reports for completeness, accuracy, and compliance with the bank’s standards and credit policies.
• Maintain a valuation register/database with up-to-date information on all collateral valuations.
• Ensure that revaluations are conducted periodically based on the bank’s policy or regulatory requirements.
• Flag significant discrepancies or value reductions to the Credit Risk or Relationship Management teams for appropriate action.
• Ensure all valuation reports are securely filed and easily retrievable for audit and regulatory review.
• Maintain and update the bank’s panel of approved valuers.
• Conduct due diligence and performance reviews of valuation firms.
• Ensure valuers adhere to ethical standards, regulatory guidelines, and the bank’s code of conduct.
• Car Tracking & Asset Monitoring
• Create and maintain a data base for all credit facilities and assigned collaterals, indicating the tracking companies and expiry dates. Ensure the start and maturity dates of the credit facilities are included – so that the bank can advise the tracking companies on expiring tracking certificates and be advised to drop the bank’s interest as and when facilities mature.
• Receive and follow up on any alerts of either disconnection, tampering, geo-fencing etc.
• Follow up with the customer, the tracking company and the debt collectors at the earliest time possible.
• Ensuring tracking companies give frequent reports on assets financed by the Bank. Receive, evaluate and query the reports submitted and initiate corrective actions, through branches, insurance companies, RMU depending on the circumstances.
• Do regular sampling of the customers tracking status, both performing, and non-performing facilities. Ensure the bank has access to all online platforms.
• Ensure equitable distribution of the tracking business amongst the various providers, to avoid concentration risk through allocation of tracking instructions on new approvals to reduce concentration.
• Maintain an up to date register/data with contacts of key persons, email addresses, online log in credentials and web addresses of all the tracking companies. Confirm that the log in credential is working.
• Continuously liaise with RMU to obtain the details/lists of untraceable assets and find out who the tracking companies are – and establish the reasons for non- traceability, and initiate action.
• From the Monthly reports availed by the tracking companies- summarize the list of all offline vehicles, establish the reasons and initiate action through the branch and customers i.e. follow up for reinstatement back to online. Cross check the tracking assets listed as expired and confirm if the loans are cleared, thereafter advise the tracking companies to drop the same from their list, if the bank no longer has interest – if expired and loan is still runningfollow up with branch and customer for reinstatement.
• Continuous monitoring of the email through which the tracking reports and alerts will be availed to the bank and be respond to the emails accordingly. Follow up and ensure all companies submit as per SLA.
• Liaison with the monitoring team on repossession of assets where tracking is tampered with.
• Issue letters authorizing crossing borders upon requests. In liaison with the monitoring team.
• Participate in the evaluation of tracking companies, for inclusion in the Bank’s panel of service providers.
• Adherence to the policies and confidentiality dictations to safeguard data and information.
• Ensure Service Level Agreement (TAT) is adhered to by the service providers.

Key Customers for this role

• Credit Analysts
• Credit Administration staff
• Remedial Department staff
• Legal Department
• Business Relationship Team
• Knowledge, Experience, Skills and competencies required for this Role

Qualifications and Experience:

• University Degree in Business Administration, Economics, Finance, Banking or its equivalent from a recognized institution.
• Master’s degree in a relevant field from a recognized institution is an added advantage.
• Post graduate and or Banking qualifications will be an added advantage.
• Minimum 2 years’ experience in credit administration or related banking roles.
• Familiarity with insurance processes, valuation methodologies, and GPS tracking systems.
• Strong knowledge of banking credit policies and collateral management.