Latest Jobs at MKOBO Microfinance Bank

Job Role

Purpose of the Position:

• The Head Risk & Compliance has overall responsibility for the Risk & Compliance function.
• The position is responsible for ensuring risk management, and compliance activities are closely aligned with global best practices in executing the duties across the Company’s business and financial operations.
• He/she works to ensure roles, responsibilities, and results are efficiently coordinated and optimised to ensure the effectiveness of risk management, and compliance matters.

Key Functions:

• You will maintain oversight over the Bank’s Enterprise Risk Management (ERM) activities
• Establish and company-wide risk management
• Responsible for implementing the bank’s Risk Management Policy Framework as periodically revised and approved by the Board of Directors.
• You will be responsible for the development and implementation of policies and procedures that will reduce credit risk in the Bank.
• Ensuring that the bank’s risk identification and assessment is built on sound and reliable frameworks and systems.
• Work with the data science team to design and implement robust data driven credit risk processes and policies to support the scale up our credit businesses. While also leveraging customer data to build risk segmentation and mitigation strategies.
• Perform regular reviews and analysis of the non performing loans to identify common factors, and leverage the insights to modify the credit risk processes to prevent these factors, track the changes to ensure improved performance.
• You will work closely with the Technology team to drive automation of the necessary reports for effective monitoring of the credit portfolio and the credit risk
• Developing methods to generate a robust system to identify, monitor, manage and control credit, market and operational risks.
• Facilitate the identification, assessment, measurement, monitoring, controlling and reporting the level of risks
• Act as the champion of risk management for the Company and help improve Management team understanding of key risk identification, assessment, monitoring and reporting and mitigation.
• Provide support, education and training to all team members in order to drive risk awareness across the business
• Work with loan recovery team, in negotiating work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring collection agencies or legal action
• Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis
• Monitor and manage the performance and development of direct reports.
• Develop appropriate Risk Management strategies/tools and disseminate appropriate risk management practices in line with developments in business products, change in clients, markets/industry, laws and regulations.

Compliance

• Develop, communicate and implement a systematic approach in managing risks and advising senior stakeholders on risk related matters arising from new business initiatives and/or changes in the regulatory requirements
• Implement BCM policy & programmes and coordinate company-wide BCM effort
• Establish and maintain Compliance Program to ensure the company's compliance to applicable laws, regulations and guidelines
• Implement effective monitoring systems to ensure regulatory compliance of the company
• Identify gaps and provide compliance training to management and internal staff to address any gaps that may affect the business operations
• Act as the key liaison with relevant regulatory authorities

The Mkobo Way (Company culture that we don’t negotiate with)

• We put our CUSTOMERS needs first - We only exist as a business because of our customers. So we focus on long term loyalty not profits. We put the Customers needs at the heart of everything we do.
• We have a CAN DO attitude - We’re making a positive, important change in the world. We can’t do this by staying in our comfort zones. No-one can do this alone. We need each other. We are all in this together
• We think and act like OWNERS - If you see a problem or opportunity, don't wait, OWN IT. We work on our own personal growth and We do the best for the company, not for specific individuals or teams.
• We live by KISS (Keep It Simple Stupid) - Unnecessary complexity gets in the way of purpose and should be avoided at all times. 
• We are OPEN to change - Innovation can only happen when we open our minds to change either personally or as a business. We can only change if we constantly seek feedback, not consensus.

Candidate Requirement

• BSc in Accounts, Finance, Economics or related subjects
• Minimum of 5 years in the financial services, with sufficient experience in risk management.
• Clearly demonstrate competency in Enterprise Risk Management, Credit Risk Management, regulatory and other statutory requirements, especially in areas of credit risk management.
• Awareness of emerging and innovative credit risk assessment such social scoring, alternative credit scoring and big data analytics tools.
• Excellent knowledge of various types of risks (credit, operational, market, liquidity, environment and social)
• Strong execution and operational skills, with ability to define and map processes and ensuring compliance
• Strong data analysis skills, the ability to study data and find correlations that can be used to improve data-driven decisions
• Ideally Microfinance Certification program (MCP) certified and professional Risk Management certification

Competencies:

• Experience developing policy and process documents
• Excellent presentation and communication skills
• Good team player with excellent leadership traits
• Planning and organisation skills
• High degree of professionalism, maturity and confidentiality
• Strong interpersonal and presentation skills.
• Strong analytical and problem-solving skills
• Innovative and strategic thinking
• Sound interpersonal and negotiation skills

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DESCRIPTION

• We are looking for a talented Growth Marketing Manager to take the lead with our growth marketing strategies. Your main duties include running experiments across the funnel, improving conversion rate, and working cross-department to collaborate on new initiatives.
• If you’re interested in using systematic ways to test experiments and can generate innovative ideas to increase sales, we would like to meet you. As a growth marketing manager, your job is to find the channels and strategies to increase revenue.
• Ultimately, you should be able to find new and innovative ways to increase revenue and meet company goals.

RESPONSIBILITIES

• Work with cross functional team (Product, Services, Sales) to establish growth strategies to support our revenue goals.
• Create, manage and experiment with new user acquisition campaigns.
• Conceive and execute on a wide range of content campaigns to drive awareness, education and engagement.
• Manage all social media platforms (including Facebook, Twitter, LinkedIn, Instagram, YouTube) and SEO.
• Generate original content and collaborate with partners (case studies, videos, blog, articles, email, social media, etc.) to develop to drive product growth.
• Analyze data to monitor revenue performance and uncover areas for improvement.
• Prepare and present recommendations, reports, and findings from experimental data all the way up to the executive level.
• Generate weekly reports on current industry developments
• Manage, optimize, and maintain sales and marketing related in-app messaging.
• Manage key conversion points in the marketing funnel, including landing pages, website calls-to-action (CTAs), and lead-generating forms.
• A/B test and continually measure the performance of these conversion assets.
• Form key relationships with influencers across the social media platforms
• Monitor and report on performance on social media platforms using tools such as Google Analytics

Qualifications

• BA in Marketing, Mass communications, Digital technologies or similar relevant field
• Ideally experience in a Fintech or other Financial services
• 3+ years’ experience in SEO, growth marketing.
• Solid project management skills: ability to lead and collaborate with cross-functional partners, prioritize high impact activities, and keep complex projects moving forward.
• Strong growth track record, with samples and results of past campaigns.
• Strong presentation and communication skills
• Excellent written and verbal communication skills
• Knowledge of HTML, CSS, Google Analytics, Photoshop, Mailchimp, Hootsuite (or, other Social Media Management Systems)
• Highly analytical and able to derive meaning from data through testing and optimization.
• Experience with web analytics, A/B testing, email and paid media channels
• Champions and represents Mkobo's core values: Customers First, Can Do attitude, Ownership spirit, Keep things simple and open to change.

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RESPONSIBILITY

• Support the entire application lifecycle (concept, design, test, release, and support)
• Product fully functional mobile application writing code
• Write unit and UI tests to identify malfunctions
• Design interfaces to improve user experience
• Liaise with the product development team to plan new features
• Research and suggest new mobile products, applications, and protocols
• Designing and developing mobile applications for Android or iOS platforms using mobile development frameworks such as React Native.
• Identify and plan for new features
• Develop application programming interfaces (APIs) to support mobile functionality
• Suggest and implement new mobile products, applications, and protocols
•  Remain up to date with the terminology, concepts, and best practices for coding mobile apps
• Work closely with colleagues to constantly innovate app functionality and design
•  Use and adapt existing web applications for app
•  Write unit and UI tests to identify malfunctions
• Communicate with users to understand their needs and experiences
• Optimize and design interfaces to improve user experience
• Fixing bugs and testing for usability.

Knowledge

• Ability to create user-friendly and user experience applications.
• Solid hands-on experience in Android application architecture, design and development, mobile development frameworks, mobile application tools, and environment.
• Knowledge and experience with build and release management.
• Good knowledge of the general mobile landscape, architectures, trends, and emerging technologies.
• Good knowledge of interface builder, Core animation, and Object-oriented concepts

Qualification and Experience

• 5+ years of engineering experience writing native mobile apps for Android and iOS with Flutter.
• 3+ years of software engineering experience.
• Experience working on mobile apps, with a preference for candidates that have extended experience developing for iOS or Android
• Experience working for a Fintech preferable
• Experience with third-part libraries & APIs
• Demonstrable experience working with Dart and Flutter
• Experience with RESTful APIs, JSON, and YAML
• Solid experience in software development
• Familiarity with integrating third-party libraries and APIs
• understanding of the full mobile development life cycle
• Experience with Git, Jenkins, or other version control tools;
• Understanding of the Agile development life-cycle;
• Experience with automated testing and building;
• Experience with Git, Jenkins, or other version control tools.
• Strong working knowledge of HTML5 & CSS, MySQL, and JavaScript.
• The familiarity with frameworks & web technologies.

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Job Role

The ideal candidate will have had some hands-on experience working within a Commercial or Microfinance or Fintech within the Operations team. This role will assist in the setup/implementation of banking operations and the policies required to support the launch of a new challenger/Neobank and also providing solutions that drive both customer and business value.

• Above all things, the operations department is there to simply make sure things GET DONE.
• Ensure all operations team functions are carried out in accordance with laid down procedures & policies in the manuals and SOPs.
• Ensure that all customer support requests are assigned and attended to within the SLA
• Ensure the team members are up to speed and trained on all operations processes and policies in SOPs.
• Provide prompt, error free and quality customer service.
• Respond to Customer enquiries promptly through all channels
• Processing of savings, Fixed deposit and other customer applications/requests
• Manage customer complaints through effective customer complaints resolutions process.
• Develop strategies to minimize customer complaints and suggest ways of managing the perception of the Company.
• Providing business and operational support to all departments
• Ensure all IT assets are accounted for and in good working order at all times
• Log and monitor service requests from both internal and external Customers until resolved
• Process Mapping & Optimization: review and optimise processes, document them and ensure that business systems are fit for purpose
• Provide IT support to internal staff to include hardware, software and application support
• Maintain and ensure up to date disaster recovery plan
• Define, measure, monitor and report on operations KPI and metrics on a weekly and monthly basis
• Liaise with 3rd party IT vendors to for the support and maintenance of systems.
• Supervises the customer support team and sets day-to-day operational objectives for the team.
• Installing and configuring computer hardware, software, systems, networks, printers, and scanners and monitoring and maintaining computer systems and networks
• Onboarding and off-boarding Employees as requested and ensuring new staff have access to the right applications for their job.
• Any other corporate administrative duties as may be required from time to time.

Skills Required

• Strong knowledge of operational control methodologies in Microfinance banks.
• Excellent skills in impact analysis and measurement.
• Proficient English Skills in writing and speaking.
• Excellent critical thinking and solution-oriented, self-starter results-oriented person.
• Strong planning, organisational and time management abilities
• Leadership, team management, developing and mentoring
• High-level influencing and interpersonal skills
• Relationship building, negotiation, problem-solving and troubleshooting

Qualifications

• Hold a Post Graduate Degree in any discipline
• Minimum 3 years experience in Operations/Customer Support/IT Support role
• Minimum of 1 year team lead/supervisory role experience
• Have some operational experience in a FinTech or financial institution
• Possess high level of trust to drive best practices with minimal supervision
• Have good project management and leadership skills
• Possess good analytical skills, in-depth understanding of business models
• Keen interest and knowledge of Fintech/Start-ups ecosystem
• Good understanding of CBN/NIDC and other regulatory landscape
• Good knowledge of retail banking operations, retail products and commercialization
• Experience in developing SOP and policy document from scratch, in line with relevant ISO standards      

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Job Role

• Build and lead a high-caliber team of software engineers to build and maintain our products/solutions
• Hire, coach, mentor, provide feedback and hands-on career development
• Demonstrate sound engineering principles by contributing directly to your team's goals
• Participate in strong engineering process through code and architectural review
• Estimate the engineering effort for roadmap goals and internal projects
• Grow a healthy, collaborative engineering culture in line with the company values
• Act as backup for project management when required
• Set and manage expectations with other engineering teams, company management, and external stakeholders
• Responsible for directing the Engineering team in the design, development, coding, testing and debugging of applications to meet business and performance-related goals.
• Motivate and focus your team to deliver the most important work while keeping them aligned with the overall direction of the company
• Debug production issues across all products and services at multiple levels of the stack and ensure any issues are promptly resolved within agreed SLA’s.
• Ensure that technical decisions support Mkobo’s quality, performance, scalability, reliability, availability, and security goals.
• Working cross functionally to identify system requirements, designing the architecture, and develop components supporting Mkobo’s application features.
• Review/implement software development processes and optimize wherever necessary to enable us to model the best practices for software development and ensure the adoption of these processes by the team

Qualification and Experience

• Ideally University degree in Information Technology, Computer Science, Software Engineering or a related subject otherwise demonstrable equivalent experience
• Minimum of 6+ years’ software engineering experience ideally across organisations, industries, and technology stacks.
• Minimum of 2+ years hands-on technical team management experience
• Experience building backend RESTful APIs
• Proven ability to drive large scale projects with deep understanding of Agile SDLC, high collaboration and leadership
• Experience of managing high-performance team, providing mentorship and helping others to reach their full potential.

Knowledge

• Comfortable with a variety of languages such as Java, Nodejs/Express, Python, React as well as MongoDB, SQL and Postgres databases etc.
• Deep knowledge of the cloud infrastructure (Heroku, AWS, Digital Ocean etc.) micro-services and development of APIs
• DevOps experience, architecture, solution design experience
• Demonstrable track record of success in developing and implementing a comprehensive technology strategy that is aligned with and supports the current and future business goals of the company.
• Strong Engineering background with previous hands-on development and deployment of production level code.
• Possess a broad understanding of how software fits into the overall system.
• Well versed in Software Architecture and Design - You should be able to spot flaws in the existing architecture and design. You would help us refactor and re-architecture the code for easier and faster development.
• Experienced with cloud native application, deployment & development
• Continuous deployment & integration

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THE ROLE

• As an Internal Auditor you will provide systematic and disciplined approach to effectiveness of risk management control and governance processes.
• You will be accountable for the examination and evaluation of organization processes, reporting findings back to management regarding possible improvements and corrections. Hence you must possess a thorough knowledge of accounting procedures and a sound judgement.
• You will assess the accuracy, timeliness and relevance of management information, appraising the efficiency of established policies and procedures, reviewing them in the light of changing circumstances while also ensuring that Internal Control checks are carried out on all transactions.

RESPONSIBILITY

• Supervise and or conduct periodic reviews of the corporate departments and submit of reports on same in accordance with the approved audit plan, policies, processes and audit manuals
• Coordinate the planned audits to ensure targets as met as intended.
• Advise on the adequacy and effectiveness of management controls over those activities based on levels of exceptions observed in the periodic audits.
• Participate in the periodic external or internal/on the job-trainings of the bank.
• Carry out special investigation as may be directed by the HOD and management.
• Provide assistance to external auditors and the regulatory bodies as requested.
• Special duties and projects as may be assigned.
• Carry out fixed asset and stock of stationery review of the bank for cost control or reduction.
• Review of compliance to the bank's policies and regulatory guidelines
• Conduct periodic spot check on branches and departments and submit report on the exercise.
• Follow-up to determine compliance with audit recommendations and adequacy of corrective actions.
• Supervise and support members in audit team during and after audit exercise.
• Ensure efficiency and high quality work in audit exercises.
• Ensure that the unit maintains up-to-date and accurate records of audit reports and performance evaluations.
• Prepare and deliver timely reports an updates to the Chief Compliance Officer.
• Participate in the periodic review of audit manual/program.
• Carry out periodic or annual performance appraisals of assigned staff.
• Mentor, coach, train and hand hold staff under his supervision.
• Any other assignment as assigned by the CEO or the Board of Directors

Qualifications

Minimum Requirements

• Bachelor's Degree in Accounting or other discipline from a reputable University
• MBA or M.Sc. will be added advantage
• Relevant professional qualification such as ICAN, ACCA, CIS, CIA, ACA, CIBN MCP certified
• 5+ years internal audit &/or external auditing experience in a reputable organisation.
• Prior experience working in Fintech or payment services firm; Big 4 professional service firm; banking or other financial services firm, technology firms etc will be an advantage.
• Application of best practice audit standards and latest audit techniques, and tools
• Experience in data analytics and continuous auditing will be an added advantage
• Demonstrable knowledge of fraud schemes and indicators.
• Application of leading internal audit standards, risk management and control methodologies.
• International Professional Practice Framework IPPF.
• Business Processes.
• Accounting standards (IFRS)
• Data Analytics skills
• Excellent communication skills – verbal, written, presentation.
• Critical thinking and attention to detail.

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Job Role

Responsibilities

• Provide strategic and marketing plans to enable the attainment of Mkobo Revenue and profitability goals.
• Drive and achieve the business objectives.
• Drive the growth of Mkobo’s products through exceptional management of existing partnership relationships and signing up new partners.
• Responsible for identifying and driving engagements with target Companies for Early-pay partnership opportunities and their seamless onboarding strategies.
• Ensure consistent growth of the Bank’s risk assets and liabilities in line with defined targets.
• Creating and developing new innovative ways to communicate Mkobo’s service promise to existing and prospective customers/partners.
• Ensure that long-term customer relationship is maintained to achieve the goals of the company.
• Conduct direct marketing of the Company’s products and services to help maximize revenue.
• Provide prompt response to customer enquiries on products or existing account queries.
• Maintain and develop new customer accounts, and liaise with the operations team to onboard the Customers.
• Define, measure, monitor and report via a dashboard on marketing & sales KPI and metrics on a weekly and monthly basis and suggest improvements on an ongoing basis.
• Keeps management informed by submitting activity and results reports, such as daily call reports, weekly work plans, and monthly and annual territory analyses.
• Monitor competition by gathering current marketplace information on pricing, products, new products, delivery schedules, etc.
• To study the market conditions, and competitions, and identify gaps within the market and the substitutes coming into the market.
• To organize activities relating to sales and marketing promotions that will help increase awareness and generate new business.
• Contribute to the annual sales and marketing plan

Knowledge

• Knowledge of the Financial Services sector and the current trends
• Knowledge of online and offline marketing strategies and tools.
• Knowledge of relationship building and customer management
• Strong business acumen and knowledge of the low-income market
• Comprehensive knowledge of consumer lending, payroll lending and public sector credit products.
• Sound knowledge of Micro, small and medium enterprise market and lending methodology especially around POS products.

Skills

• Developing and managing a highly efficient marketing team
• Strong marketing and business development skills
• Sound interpersonal and negotiation skills
• Good oral, written, and presentation skills
• Leadership, Supervision and Coaching skills
• Detail-oriented with strong analytical skills
• Goal-oriented, needs to be focused and achieve targets
• Excellent communication and organization skills

Qualification/Experience

• A minimum of first degree or its equivalent in a business-related discipline (additional qualification or degree in any finance or business-related discipline may be an advantage).
• A minimum of four (4) years post-qualification experience out of which, at least three (3) must have been in the financial services industry.
• Evidence that the candidate possesses proven skills and competencies in practicals.
• Financial services or technology company experience will be beneficial.
• Excellent knowledge of MS Excel, and PowerPoint;

Key Behaviors

• Ethical, high level of integrity
• Good communication and listening skills and team player
• Professional, responsible and accountable
• Quality and customer focused, open to ideas and change
• Commitment to the Company’s vision and values

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PURPOSE OF ROLE

• The primary focus of the Head,Sales & Business Development is to provide focused business leadership to the sales and business development team and maximise revenue for MKOBO Microfinance Bank by proactively building a portfolio of quality risk asset through exceptional business development and Partnership management skills, driving business growth for Lifeline Asset Finance, Educational loan and Earlypay products.

RESPONSIBILITIES

• Provide strategic and marketing plans to enable the attainment of Mkobo Revenue and profitability goals across diverse products.
• Hire, train, manage and motivate a team of Sales executives and Business development to drive and achieve the business goals.
• Meet monthly targets for the Sales and Business development team.
• Drive business growth through exceptional management of existing partnership relationship and signing up new partners to increase revenue.
• Responsible for identifying and driving engagements with target companies for partnership opportunities and their seamless on-boarding strategies.
• Ensure consistent growth of the Bank’s risk assets and liabilities in line with defined targets.
• Create and develop new innovative ways to communicate Mkobo’s service promise to existing and prospective customers/partners.
• Ensure that long-term customer relationship is maintained so as to achieve the goals of the company.
• Conduct direct marketing of the Company’s products and services to help maximize revenue.
• Define, measure, monitor and report via dashboard on Sales and Business development KPI and metrics on a weekly and monthly basis and suggest improvements on an ongoing basis.
• Keeps management informed by submitting activity and results reports, such as daily call reports, weekly work plans, and monthly and annual territory analysis.
• Monitor competition by gathering current marketplace information on pricing, products, new products, competition analysis, etc.
• To study the market conditions, competitions, identify gaps within the market and the substitutes coming into the market.
• To organize activities relating to sales and business development activities that will help increase awareness and generate new business.
• Contribute to the annual sales and marketing plan.

KNOWLEDGE

• Experience in building, leading and developing Sales team to achieve set business goals
• Knowledge of relationship management and partnership development for growth of new business.
• Knowledge of direct Sales and business development.
• Sound knowledge of financial products and services.
• Proven knowledge of managing and motivating a sales team to achieve business targets.
• Knowledge of Anti Money Laundering (AML) and Counter Terrorism Financing (CTF) acts
• Strong Stakeholder Management and team player.
• Experience in developing marketing and sales strategies.
• Self-Starter and ability to work independently

SKILLS

• Ability to demonstrate track record of building a business team and achieving set targets
• Exceptional Partnership relationship management skills
• Ability to build profitable business network across the banks products
• Sound business development acumen and must possess positive CAN-DO attitude
• Ability to achieve set targets in line with organizational goals and objectives.
• A good team player and collaborator across multiple business functions to achieve results.
• Ability to develop long–term profitable relationships with clients.
• Ability to maintain and mine existing business relationships for increased wallet share and profitability.
• Excellent writing and presentation skills.

Qualification and Experience

• BA/BS in Marketing/Finance/Communication from a reputable University
• Minimum of 5 Years of relevant professional experience in Sales and Business Development with a proven track record of building a
• Sales team and cultivating new businesses.
• Sales & Business Dev. Experience in Financial Services is an advantage.
• Experience in managing and leading a Sales team to achieve and exceed expectations through innovative strategies for goal attainment.

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Job Role

• The primary focus of this role is to support the growth of Mkobo by providing necessary assistance to the Hr & Admin Manager on human resource services to ensure the achievement of business strategy and corporate objectives.
• The HR Officer duties involve a wide range of support activities in the HR department, including coordinating meetings, maintaining Employee database and also posting job adverts.
• An important part of the role will be to act as the liaison between the HR & Admin Manager and employees, ensuring smooth communication and prompt resolution of requests and questions.
• The HR Officer will also assist in creating policies, processes and documents.

RESPONSIBILITIES

• Assist with day to day operations of the HR functions and duties.
• Provide clerical and administrative support to HR & Admin Manager.
• Compile and update employee records (hard and soft copies).
• Process documentation and prepare reports relating to Human Resources activities (staffing, recruitment, training, grievances, performance evaluations etc).
• Coordinate Human Resources activities (meetings, training, surveys etc) and take minutes and attendance for all employee meetings.
• Deal with employee requests regarding human resources issues, policies and processes.
• Coordinate communication with candidates and schedule interviews.
• Conduct initial orientation to newly hired employees
• Assist in payroll preparation by providing relevant data (absences, bonus, leaves, etc)
• Ensure the office is open for business before resumption.
• Ensure the Office Assistant keeps the office premises clean at all times.
• Any other tasks/duties as may be assigned from time to time 

Qualifications

• Minimum of 3 Years relevant professional experience in a similar role.
• Minimum of Degree in International Relations, Business Administration, or any Social Science.
• Knowledge of digitizing HR processes end to end or of any HRIS systems.
• Possesses strong verbal and written communication skills
• Professional Human Resources qualifications/certification 
• Must be a member of a relevant professional institute