Career Openings at Housing Finance Company of Kenya

Overall Job Purpose

The Senior Products Manager – Asset Products is responsible for :

• Leading the lending Product development through envisioning, design, implementation and commercialization of re-imagined lending solutions and processes targeted at the individuals, business and corporate segments.
• Continuously monitoring and control products post go-live to ensure they meet agreed revenue and profitability targets. Formulating strategic plans to grow borrowing whilst also protecting and improving the customer experience.
• Maximizing the potential of the service adoption while also improving the product offering to expand new customer growth through insights gathered from customer data. As well as proactively support the Branch network on lending solutions.
• Strict adherence to all regulations, statutes, standards, practices, and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to compliance requirements.

Principle Accountabilities

• Defining and embedding a long-term Product strategy for Borrowing
• Deliver analysis to drive value-add action in the sales Team for lending solutions
• Engage with segment owners and market activators to achieve product uptake and utilization to meet revenue targets as well as increase lending use-cases on the digital platform
• Ensure growth through product development, new acquisitions, deepening existing relationships as well as developing strategic alliances with tactical partners to drive uptake.
• Formulate and come up with product strategies that competitively address identified and emergent market opportunities
• Using his/her customer experience and credit expertise to wow customers at every point of their lending journey and prompt resolution to the issues raised.
• Monitoring market trend and carrying out competitive analysis of the Lending market with an intent to continuously innovate around online customer journey with enhanced customer experience and satisfaction, especially on Digital platforms
• Providing support and training continually to bank staff on new systems, products and lending policy updates.
• Ensuring the Portfolio management of Lent facilities across the bank channels.
• Give inputs for development of product/ service bundles, with a view to aid client deepening and cross-sell across segments.
• Provide regular market reviews, advise the bank on optimal processes, procedures, and fees to ensure maximum products profitability
• Manage ongoing relationships with all third parties as well as responsible for developing and implementing service level agreements between the bank and third parties.

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in a business-related field from a recognized university
• MBA is an added advantage.
• 7 years of work experience, with 3+ years products management and product development preferably in middle/senior management level.
• Re-engineering of business, technology, and operational processes.

Key Competencies and Skills

• Detailed knowledge of the core set of Retail Products and Services.
• Broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.
• Good knowledge of the products & services available in bank functions is also required to satisfy the individual financial needs of business owners/key individuals.
• Current Market / competitive lending positioning

Overall Job Purpose

The Sales Manager-Properties will be responsible for providing leadership to sales teams by identifying properties for sale/letting, identify and manage strategic partnerships within and outside the HF Group ecosystem while also selling mortgages and other bank related products to maximize profitability for the organization.

Principle Accountabilities

• Championing sales of the Properties, projects & identify properties in Special Asset portfolio for selling and letting to generate non-interest income for the company.
• Identify and manage strategic partnerships that are value adding to the customers and the company.
• Coordinate overall achievement of the teams’ sales targets.
• Conduct performance appraisal, monitoring and coaching as well as feedback to staff.
• Identify potential target groups within the niche market segments.
• Develop methods and approaches of driving the sales efforts within the identified groups.
• Manage and coordinate Property Point customer support from customers sign ups to completion of sales transaction.
• Ensure regular updates of customer information.
• Ensure agreed upon turnaround time (TAT) is adhered to for customer satisfaction.
• Work closely with branch and mortgage teams to ensure referrals are generated and customers are offered appropriate solutions.
• Manage departmental budget for efficient utilization.
• Develop products and policies recommendations, frequently review and implement these policies;
• Generate market intelligence reports with view to improve the company’s offering.

Minimum Qualifications, Knowledge and Experience

• A Bachelor’s degree in Land Economics, Business or Building and Construction from a reputable institution. Master’s degree is an added advantage.
• Professional qualifications in relevant field.
• A minimum of five (5) years sales experience within the property sales industry, three (3) of which should be at a senior level

Key Competencies and Skills

• Selling and Negotiation Skills
• Demonstrated experience in policy development and implementation.
• Experience in development of market intelligence reports
• Awareness of latest developments within the real estate field.
• Excellent interpersonal skills, presentation and communication skills, both written and verbal.
• Commercial Acumen.
• Excellent Negotiation Skills.
• Planning & organization Skills.
• Strategic Orientation and leadership skills.
• Relationship Management and Financial Acumen.
• A good working knowledge of MS Office packages.
• The flexibility to work outside normal office hours as may be required from time to time.

Overall Job Purpose

The Administrative Assistant-Legal will be responsible for assisting the Company Secretary in providing support services to Management, Business units, the Branch Network and the Board of Directors. The role holder will also assist all staff in the Company Secretary Division in providing support services to the business and to shareholders and to ensure that this is done efficiently and cost effectively, for maximum customer satisfaction.

Principle Accountabilities

ADMINISTRATIVE FUNCTIONS

• Receive, Record and act/distribute for action all in-coming mail
• Managing the office & booking meetings, appointments e.t.c for the team
• Responding to routine enquiries from customers
• Ensuring that all circulars addressed to the various Departments within the Division  are seen by all members of staff
• Maintaining up to date records & relevant registers in the Division
• Ensuring that there are adequate stocks of stationary & equipment
• In liaison with the Company Secretary, preparing & controlling the Divisional Budget
• Maintaining the filing system of the Division; filing correspondence as necessary
• Bring up of files for action and drafting reminders where necessary
• In liaison with the Company Secretary, convening Divisional meetings, taking minutes and keeping good records of meeting proceedings.
• Ensuring that the Offices in the Division are well secured & clean

CUSTOMER CARE                                                                                

• Answering & screening telephone calls
• Identifying the Division “Good Morning, HF Group CS Division, How may i help you?
• Giving messages & delivering correspondence promptly
• Knowing the daily schedules of staff in the Division & asking for any special instructions
• In liaison with the reception, showing each customer to a meeting room while they wait for their appointment & informing the Officer concerned that they are waiting

OTHERS

• Recording and maintaining the Safe Deposit Register
• Growing the safe custody client base, as agreed from time to time
• Recording & taking custody of security documents
• Accessing & retrieving documents from the security cabinets when required
• Drafting of Legal documents from approved templates e.g. conveyancing documents, Power of Attorneys (appointments and Revocations), Discharges of Charge & others as may be allocated from time to time
• Updating and keeping Bank’s Powers of Attorney’s data.
• Updating and maintaining the contracts data base
• Updating and maintaining the Legal Firms data base, Professional Indemnity and SLA contracts with external law firms
• Updating and maintaining the Litigation data base
• Updating/reminding branches on hearing dates for cases
• Ensuring that witnesses attend court

Minimum Qualifications, Knowledge and Experience

• Bachelor’s Degree from a recognized University (a degree in a business related area will be preferable)
• Good working knowledge of Computer Packages
• Customer service training
• Knowledge of the provisions of the Banking act, Central Bank of Kenya act & the Capital Markets Authority Act and Regulations
• Knowledge of the Bank’s Products & Services
• Knowledge of the Bank’s Operating Procedures, Bank’s policies & provisions of the Staff Manual

Key Competencies and Skills

• Analytical Skills
• Communication-oral and written
• Conceptual Skills
• Excellent Interpersonal Skills