Vacancies at Mkobo Microfinance Bank Limited (Mkobobank)

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

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.

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.

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