Kilimanjaro Co-operative Bank Limited (KCBL) is the only Co-operative Bank in the country, Headquartered in Moshi – Kilimanjaro, is fully fledged Bank owned by Co-operatives and private business entities. The Bank is ambitiously reorganizing its business model and implementing growth strategy to widen nationwide outreach and network expansion to support government Co-operative movement agenda and mass market financial inclusion for Co-operatives, retail and SMES across the country.
Recommended:
To deliver its strategic agenda and lasting customer experience, the Kilimanjaro Co-operative Bank Limited (KCBL) is seeking to recruit professional, competent and experienced Tanzanian to grow their careers and fill the following vacant positions listed below;
TEAM LEADER- CUSTOMER EXPERIENCE (1 POSITION)
Terms: Permanent
Reporting to: Branch Manager
Placement: Branch
Station: Moshi-Kilimanjaro
JOB PURPOSE:
Assist Branch Manager in providing overall leadership to the branch team, deliver excellent and lasting customer experience while ensuring operational excellence within the Branch.
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ACCOUNTABILITIES:
- Start and end of day at ATM (Daily)
- ATM cash loading/offloading and balancing
- Posting of ATM entries
- ATM reconciliation and daily report preparation (Daily)
- ATM maintenance and service follow up
SKILLS AND KNOWLEDGE
- Greater operational and business acumen to offer exceptional services, operational excellence and lasting customer experience
- In-depth knowledge of banking process, operations, products, services and delivery channels.
- Leadership and Interpersonal skills to carry team members along,
- Excellent communicating and inter-personal skills
- Ability to multitask and flexibility to sale
- Must be result oriented.
QUALIFICATION AND EXPERIENCE
- Bachelors’ Degree in a business-related field
- Master’s degree in Business Administration and Certified Professional Banker will be an added advantage
- At least 5 years’ experience in banking industry and Branch operations.
BRANCH QUALITY ASSURANCE (1 POSITION)
Terms: Permanent
Reporting to: BRANCH MANAGER
Placement –Branch
Station: Moshi-Kilimanjaro
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JOB PURPOSE:
Ensure operational and regulatory compliance at branch guided by operating Manual, Management circulars, procedures, rules and regulations, policies, BOT guidelines and ensuring the Bank’s assets are safe and securely kept.
ACCOUNTABILITIES
- Ensuring that all processes/operations are done as per documented internal controls/procedures
- Independently report as per governance process all control breaches at the branch as soon as they detected.
- Minimizing the risk of fraud and forgeries by proactively reviewing the branch control environment and advising the supervisors of the suspicious actions, character, willful transactions, non-compliance etc. by staff, customers or outsiders.
- Reviewing all day’s work to ascertain compliance and genuineness of the processed transactions.
- Ensure relevant charges and commissions have been made and posted to respective accounts.
- Ensure that all branch registers are checked and signed off daily and relevant role players perform their work as per documented procedures and report any noted anomalies for correction.
- Ensure that all reconciliations including those for house accounts, plastic cards and PIN mailers are checked and signed off daily and relevant role players perform their work as per documented procedures and report any noted anomalies for correction.
- Independently conduct control surprise checks as per governance process.
- Review and sign loan disbursement checklists before disbursement and in case of any discrepancy notify the concerned staff to make the necessary correction(s).
- Check inward and outward mails to ensure all are processed appropriately.
- Verify Banks’ assets against the register periodically as per policy
- Prepare daily, monthly and quarterly reports to relevant Head Office Counter parties and copy the same to Branch Manager/Director.
- Follow up internal and external audit queries at the branch and advice the branch Manager/Director accordingly.
- Strictly following, fixing and closure the last audit issues.
- Sensitizes staff through Morning session of the mistakes committed by them in order to enlighten them of their continuing mistakes and control breaches.
- Ensure corrective measures are taken on observed anomalies in branch visit report
- Ensure branch compliance to AML policy.
- Timely reporting suspicious transactions, Risk events & incidences as per the procedure and whistle blowing policy.
- Visit branches under your supervision for snap check and risk assessment review as per standard checklist.
- Any other duties as may be assigned by Branch Manager and/or higher authority
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SKILLS AND KNOWLEDGE
- In-depth knowledge of bank process, products, services and delivery channels.
- Excellent communication skills, good interpersonal skills and ability to multitask,
- High level of Integrity, honest and trustworthy to confronts unethical behavior quickly
- Encourage full disclosure of mistakes with unwavering fidelity
- Self-driven, values based innovative, independent adaptive and results oriented person
QUALIFICATION AND EXPERIENCE
- Bachelors’ Degree in a business-related field
- Master’s degree in Business Administration and Certified Professional Banker will be an added advantage,
- At least 5-years’ experience in banking operations, business and credit management functions
HUMAN RESOURCES BUSINESS PARTNER (HRBP) (1 POSITION)
Terms: Permanent
Reporting to: Head of Finance and Administration
Placement: Head office
Station: Moshi-Kilimanjaro
JOB PURPOSE
Human Resource Business Partner shall assist the bank to provide strategic guidance in human resources management function of the Bank to optimize HR in executing bank Business Strategy and in line with operating policies, Personnel Manual, Circulars and directives issued from time to time by Management and the Board of Directors.
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ACCOUNTABILITIES:
- Plan, direct and control the human resources activities of the Bank including recruitment and selection, training and staff development, compensation, rewards and benefits, safety and health, welfare and industrial relations
- Develop and implement human resources strategies in relation to personnel policies, procedures and practices.
- Recommend the development of employee terms and conditions of service.
- Advice heads of business units on the administration and interpretation of staff regulations and conditions of service and personnel policy of the Bank.
- Lead, manage and develop the human resources department team, services and functions.
- Develop and monitor the implementation of the bank-wide Performance Management Systems (PMS).
- Oversee and administer performance management system for senior staff.
- Develop, control and oversee the implementation of bonus and incentive schemes.
- Oversee and administer Staffing and Succession Plans.Oversee the implementation of bank-wide training and development programs.
- Develop and oversee implementation of high potential and senior cadre’s career development plans.
- Develop and monitor the implementation of remuneration and benefits scheme.
- Develop staff communication strategy.
- Maintain an efficient human resources management Information System
- Develop and implement human resources information system (HRIS) policy and advice on appropriate systems acquisition and use.
- Oversee recruitment and selection of staff.
- Develop policies, procedures and systems aimed at attracting and retaining high caliber employees.
- Oversee employee relations to provide a constructive and harmonious working environment.
- Liaise with the Secretariat Department to obtain professional legal guidance and support in the application and administration of labor laws and other related legal matters.
- Prepare and control approved departmental annual budget
- Review and authorize staff payments and payroll within approved limit.
- Conduct regular training to Bank staff on matters pertaining to human resources management and general management.
- Network with other human resources professionals and maintain up to date information of developments and best practice in the human resources field to facilitate the Bank’s ability to proactively update its practices and policies and remain competitive.
- Perform any other duties as may be assigned from time to time by Head of Finance and Administration
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SKILLS AND KNOWLEDGE
- In depth knowledge and conversant with labour law,
- In-depth knowledge and experience in Human resource business partnership, HR talent management and performance management,
- Good interpersonal skills and ability to multitask delivering results,
- Demonstrate leadership capabilities and business acumen,
- Analytical and presentational skills and ability to work well under pressure with strict deadlines and limited supervision.
QUALIFICATION AND EXPERIENCE
- Minimum Bachelor’s degree in Human Resource/Public Administration or Business Administration (or similar).
- At least 5 years’ experience in banking business and operations management.
SALES AND SERVICE OFFICER (1 POSITION)
Terms: Permanent
Reporting to: Team Leader- Customer Experience.
Placement: Branch
Work Station: Moshi-Kilimanjaro
JOB PURPOSE: Provide best of class customer services and product selling and cross-selling support to meet customer’s expectation and deliver value to the bank and lasting experience to the customer.
ACCOUNTABILITIES:
- Offer the best of class front office service management receiving and working on customer feedback
- Attend and respond to customer inquiries quickly and attentively as per agreed SLA and TAT
- Flexibility to sell and cross-selling back products, services while receiving and authorizing payments instruments, cheques and digital channels
- Manage and promote customer usage of alternative banking and digital channels
- Maintain relationships with clients by providing support, information, and guidance; researching and recommending new service and products available
- Daily planning and execution of sales in relation to driving new customer to bank, cross selling and up selling of bank products and services.
- Provide world class and lasting customer experience to aid in business solicitation from customer to ensure business growth in line with bank business growth strategies.
- Reconcile front office registers, card and PIN issues, books of accounts to ensure proper records keeping to guaranteed operational safety and excellence
- Open accounts and customer card request to ensure that customers’ accounts are opened in line with bank policies and procedures
- Build positive working relationship with existing customers for repeat businesses.
- Identify and contact potential customers to increase customer base.
- Develop customer retention and outreach strategies.
- Multi-task and flexibility to sell and cross sell bank products and services
- Handle, resolve and report customer complains quickly as per agreed Service level agreement (SLA)
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SKILLS AND KNOWLEDGE
- In-depth knowledge of bank products, services and process
- Excellent communication and interpersonal skills
- Ability to multitask and result orientation.
QUALIFICATION AND EXPERIENCE
- Bachelor Degree in Commerce, Business Administration or any other related disciplines.
- Professional Banking Certification will be an added advantage.
- At least 3 years’ experience in banking operations and customer service management
REMUNERATION
Attractive and competitive packages commensurate with the demand and requirement of the job will be offered
BUSINESS RELATIONSHIP OFFICER (1 POSITION)
Term: Permanent
Reporting to: Team Leader –Business Development.
Placement: Branch
Station: Moshi-Kilimanjaro.
JOB PURPOSE:
- Develop and acquire new business opportunities and proactively market for lending/deposit mobilization from the existing business relationship and prospective clients.
- Cross – selling bank services; working closely with the entire branch staff to maintain a high degree of customer focus.
- Maintain relationship with all business customers and work closely with these customers to the mutual benefit of both the customer and the bank.
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ACCOUNTABILITIES:
RELATIONSHIP MANAGEMENT FUNCTIONS
- Identify and acquire new business opportunities through local market intelligence.
- Manage bank and customer relationship to sell and cross bank’s product and services.
- Build and maintain strong business relationship with existing and prospects customers.
- Identify new business ventures through local market intelligence and identify support required for sales and on boarding execution.
- Demonstrate high level of integrity through compliance to credit policy and procedures.
- Handling customers’ queries/complaints relating to loan installments and other loan related issues.
- Deliver the promised service in a consistent and accurate manner with speed.
- Create trust, confidence and confidentiality to customers.
- Proactive monitoring and maintenance of the relationship especially in lending
LOAN PREPARATION & APPRAISAL FUNCTIONS
- Acquire, analyses and appraisal new and existing business projects for loan application
- Interviewing, analysing, and evaluating borrowers and potential borrowers with emphasis on risks (business, financial, market etc) and particular focus on repayment risk (cash flow); preparation and completion of Credit Application form; making recommendations to branch Credit Committee/Head office Credit Dept.
CONTROL FUNCTIONS
- Maintaining SME credit files; co-ordinating efforts with SME UNIT, audit, loans administration & documentation and banking operations.
- Working together with the Branch Credit Officer to ensure loan documentation, security etc is perfected and in place before disbursement.
- Daily monitoring of account operations of all SME borrowers
- Check covenants and other conditions at least monthly
- Ensure compliance with terms & conditions laid down by the Approval and Offer Letter
- Review risk grades at least quarterlyMaintain client registers/databases and ensuring all files and branch records are in order
- Quarterly review of security values (FSV)
- Undertake renewals &/or reviews of outstanding loans before 90 days of expiry.
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SUPERVISION FUNCTIONS
- Working in co-operation with the Branch Manager and immediate supervisor to identify and monitor problem loans and possible delinquent facilities for further action;
- Actively pursue and engage doubtful customers and those in arrears, so that all avenues are explored before marking the loan as substandard or doubtful.
RECOVERY FUNCTIONS
- Daily monitoring of all accounts in arrears
- Immediate follow-up of accounts in arrears
- Initiation of demand and other procedures
- Recommendations to Branch Manager/Field Supervisor
- Down-grading of accounts in arrears
- Re-assessment of securities and documentation
- Liaising with Recoveries Unit when appropriate (recovery of collaterals, use of debt collectors/auctioneers, write-offs etc)
OTHERS RESPONSIBILITIES
- Preparing and agreeing an annual budget based on client portfolio
- Preparing and agreeing a monthly action plan and calling programme; regular monthly appraisal meeting with Branch Manager
- Maintain database of borrowing customers in the branch.
- Prepare performance reports (monthly work plan, activity report etc)
SKILLS AND KNOWLEDGE
- Well-informed of the market competitive structure, banking industry practices and regulations.
- Strong analytical, problem-solving, decision-making and financial management skills.
- Excellent interpersonal and networking skills.
QUALIFICATION AND EXPERIENCE
- University Degree in Business Administration, Banking, Accounting, Finance or any Business-related field.
- At least 3 years’ experience in banking operations particularly lending and business relationship management for both personal and enterprises customers
RELATIONSHIP MANAGER-BUSINESS BANKING (1 POSITION)
Terms: Permanent
Reporting to: Head Retail & Business Banking
Placement: Head office
Station: Moshi-Kilimanjaro
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JOB PURPOSE
- Assist head of Retail and business banking to develop, plan and execute diversified business growth strategy
- Execute follow the money strategy and acquire new business while deepening existing business relationships to ensure business retention, more revenues and efficiency
- To acquire new business and manage existing business relationships with investors and customers focusing on co-operatives, SMEs, MSEs and retail segments
- Provide Leadership to the business banking team identifying talents, coaching, mentoring and training subordinates to deliver productivity
- Manage relationships and reputations of the bank with the key stakeholders, investors, cooperatives and Government entities.
ACCOUNTABILITIES
- Manage and acquire diversified business lines, Deposit and loans growth, accounts opening, interest and non-interest income and retain existing and potential customers.
- Manage growth (in number and value) and quality loan portfolio within agreed and budgeted volumes year by year.
- Manage and deliver business and financial performance consistently within the set business objectives and projected profitability, efficiency and productivity ratios.
- Ensure that the operational expenditure is well managed within the approved budget to deliver efficiency and cost-effectiveness
- Ensure business risk management, adherence to governing tools and effective controls policies and procedures are at all-time adhered to and all variances are timely reported
- Review and act on Financial and MIS reports for quick and objective decisions and projections of business growth and addressing challenges
- Undertake business process review and streamlining to address bottlenecks and deliver fast turnaround time for credit processing and approval
- Manage and deliver exceptional customer services and experience to meet customers’ satisfaction with agreed Turnaround time (TAT) and SLAs and KCBL service charter and values
- Manage, oversee and resolve all requests, inquiries and complaints that arise from customers and stakeholders within acceptable TAT
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OTHER RESPONSIBILITIES:
- Provide leadership to the team and Assign duties and responsibilities to your team members with clear KPIs and timelines
- Manage subordinates performance and development (training, exposure and succession plan) according to approved Human Resources Policies and procedures
- Perform any other duties as maybe assigned by Head Retail & Business Banking
SKILLS AND KNOWLEDGE
- In-depth knowledge of sales tactics, operations, business management, relationship management and customer services competencies
- Good interpersonal skills and ability to multitask delivering results
- Demonstrate leadership capabilities and business acumen
- Analytical and presentational skills and ability to work well under pressure with strict deadlines and limited supervisio
QUALIFICATION AND EXPERIENCE
- Minimum Bachelor’s degree in Business related (or similar).
- Possessing Master degree and Professional qualification will be an added advantage.
- At least 5 years’ experience in business banking and operations management.
HEAD OF ICT AND DIGITAL TRANSFORMATION (1 POSITION)
Terms- Contract/Renewable on Performance
Reporting to: GENERAL MANAGER
Placement-Head office
Work Station: Moshi-Kilimanjaro
JOB PURPOSE:
- Shall be responsible for overall ICT strategic planning, core banking management, process automation and innovations.
- Develop, execute and manage bank ICT and Digital transformation strategy to support business growth while ensuring system robustness, efficiency, all the time availability and accessibility
- Develop and execute bank communication governance framework and infrastructures that provide seamless processes and lasting customer experience.
- The Job holder is expected to Assist General Manager in providing ICT Strategic insight, governance and business continuity management while working with head of business units to drive and develop digital transformation journey that would deliver diversified growth strategy, improved TAT and operational excellence
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ACCOUNTABILITIES:
- Overall accountability for planning, executing and manage ICT networks, systems, infrastructure and digitization strategy
- Develop, plan and execute ICT Security, networks and Governance frameworks
- Provide overall leadership to ICT team, skills and talent acquisition
- Acquire, upgrade and manage robust and scalable core banking system
- Support business growth strategy by ensuring all time availability, accessibility and efficient core banking system
- Acquire and implement alternative banking channels to deliver seamless process and follow the money competitive edge
- In collaboration with business units, develop and execute digital transformation journey and process automation for the Bank
- Develop, maintain and ensure all time data replications and business continuity of DR site.
- Training users on new system upgrade to enhance their efficiency.
- Configuring new equipment e.g. personal computers, printers, modems, laptops, etc.
- Evaluating, Implementing, and managing the best practice for ICT systems security.
- Ensuring a secure environment for equipment and safe operation in machines.
- Ensuring communication equipment and systems are in safe working condition.
- Ensuring compliance with and adherence to ICT procurements policies for system equipment, machinery and software terms and conditions and warranties.
- Take lead for innovations and advising management on acquisition of system hardware, software, machinery, equipment and services.
- Manage and ensure core and all peripheral systems are up and running to support business and operations.
- Ensuring safe and proper control of access to Server Room and Data Recovery Centre.
- Develop ICT Policy and Procedures and ensure user adherence to the same.
- Advice Management on acquisition of modern and the best ICT technology for banking operations.
- Ensure compliance to systems access right matrix, system audit trails and password.
- Updates compliance database/system with compliance findings by BOT Inspectors, External Auditors and Internal Auditor.
- Liaise with all departments to provide all requisite system reports and support.
- Identify and manage ICT risk and execute stress tests for core banking system to ensure business continuity and data security.
- Ensure proper custody of system data logs, security logs, and CCTV footage.
- Ensure bank physical security gadgets and buttons are properly maintained, monitored and comply with bank Physical Security Policy.
- Perform any other duty that you may be assigned by the General Manager.
SKILLS AND KNOWLEDGE
- In-depth knowledge of operations, business management and digital transformation journey,
- Good communication interpersonal skills and ability to multitask delivering results,
- Demonstrate leadership and modern techno-savvy capabilities and business acumen,
- Analytical and presentational skills and ability to work well under pressure with strict deadlines and limited supervision.
QUALIFICATION AND EXPERIENCE
- Minimum Bachelor’s degree in Information Technology or Computer Science or Computer Engineering (or similar).
- SAP System Administration Certifications is an added advantage
- At least 5 years’ experience in banking ICT and operations management. 3 of which spent at managerial role
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MODE OF APPLICATION:
If you have what it takes to fill the announced vacant posts; your encouraged to submit your application with a detailed resume/CV attached with copies of academic certificates, your full contacts (address and telephone numbers) and three referees addressed to:
The General Manager,
Kilimanjaro Co-operative Bank Ltd,
P.O Box 1760, MOSHI. KILIMANJARO.
Please, note:
Applications should be hand delivered to the Bank offices in MOSHI or emailed through: info@kilicobank.co.tz
The deadline is set at 16hrs on the 25th January, 2021. Shortlisted candidates should be ready for a written and oral interview.
