Job Opportunities


The role is responsible for managing and monitoring the credit risk exposure of clients within Business Banking, Premium Banking and Personal Banking Segments. Responsibilities include, but are not limited to credit analysis, credit approval, signatory to letters of offer and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other credit and business functions in achieving the job purpose.


The incumbent will report to the AGM Credit – Business, Premium and Personal Banking and will be responsible for:

  • Analyzing credit proposals for risk identification, measurement, mitigation and giving recommendations to the relevant credit authority for sanction/decision.
  • Approving credit limits as per delegated authority.
  • Advising credit decision(s) to various stakeholders within the prescribed time.
  • Monitoring the portfolio for identification of early warning signs and initiating remedial action(s) including restructure and reorganization of accounts within delegated Authority.
  • Liaising with the Business Segments’ Credit Analysts to ensure quality proposals are originated to enable the relevant credit authority reach quality decisions.
  • Undertaking Bank- wide training on Bank’s products, credit processes and credit analysis.
  • Preparing packs for presentation to Credit Risk Management Committee (CRMC) and the Board Credit Committee (BCC).
  • Acting as Bank’s Power of Attorney (POA) / signatory for various documents as per Delegated Authority.
  • Ensuring that Service Level Agreements and Turn Around Times are adhered to.
  • Periodic review of the performance of obligors to which the Bank has exposure, including borrowers and counterparties (correspondent banks, insurers etc.)
  • Acting as a liaison between the Credit Department and other departments within the Bank in developing products that address clients’ needs and ensuring that they are within the current policy and if not, seeking waiver of the same from the relevant authorities.
  • Conducting off-site visits for new borrowers, accounts exhibiting signs of deterioration of credit quality, debenture backed exposures and for security monitoring.
  • Reviewing inward clearing exception reports, Temporary Overdrafts and excess over limits and escalating for sanction as provided for within Delegated Authority.
  • Regular market research on the industry and market events which could affect the performance of the portfolio, new products, TAT and industry best practices etc.
  • Advising Credit Analysis team on the developments in the market that would affect the business.
  • Supporting the Credit Monitoring unit in monitoring the various approval conditions, covenants and undertakings to ensure that all facilities maintain acceptable credit quality throughout their life.
  • Participating in Credit portfolio management to reduce Gross NPL to total advances ratio.


  • Masters of Business Administration degree or its equivalent from a recognized institution will be an added advantage; and
  • Bachelor’s degree in Business or a related field from a recognized institution.

Professional Qualifications

  • Professional qualification in Banking, Finance or Accounting.
  • Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.


  • At least 8 years relevant experience (3 in credit).

Skills and Attributes

  • Excellent communication and interpersonal skills;
  • Strong people-management and leadership skills;
  • Advanced financial risk analysis skills;
  • Advanced credit risk management skills;
  • Excellent problem solving and decision making skills;
  • Basic banking and fair knowledge of prudential guidelines;
  • Ability to comprehend and handle both straight forward and complex financial /lending proposals; and
  • Must demonstrate an understanding of the Bank’s products.

Visit Their Website To Apply!

05 Jul, 2021

Senior Business Analyst – Deadline: Not Specified

What you will do

We’re looking for a Senior Business Analyst who will live in a world where data-driven processes and system interconnects a team of 300+ people working to bring better living to millions. You will be working every day to optimize our data-driven processes to give our teams laser-sharp information that will drive decision-making. You will do this by supporting our various teams to fish out the relevant data they need to focus on, driving concrete analysis to drive decision making, and setting up systems that will help them monitor this continuously. You will play an integral role in the most strategically important processes in our value chain, which starts with the procurement of raw materials and goes on to include manufacturing, inventory management, facilities management, and delivery.

Key projects coming up include ERP Implementation, Integrated Quarterly Reforecasting of anticipated business performance, installation of a new manufacturing line, and associated launch of product lines (which will require the Business Operations team to develop new data capture and reporting metrics and tools).

Your main responsibilities will be:

  • Design and maintain data systems and databases; this includes fixing formulas and/or coding errors, and other data-related problems.
  • Perform descriptive and diagnostic analytics using advanced mathematical techniques and/or statistical models
  • Understand key business processes within and across teams and envision how we can better measure their performance and streamline their execution
  • Collaboratively build tools with the teams who will use them
  • Build dashboards that instantly show teams and leaders how they are performing and what needs their attention
  • Analyze data with our management team to inform strategic decision making and determine where we should focus efforts for maximum impact on the company’s performance
  • Understand client business issues, operating business rules, data, and standard operating procedures
  • Incorporate process changes in response to developing business needs
  • Understand, analyze, and provide descriptive answers to client queries resulting from deliverables or business questions
  • Leverage analytic techniques to use data to provide insights and recommendations to client queries resulting from deliverables or business questions.
  • Support and drive continuous automation of business processes (using appropriate tools, etc.) to steer quality improvement and value addition.
  • Apply data quality assurance best practices

Career growth

Moko invests in building the capacity and skills within our team. Your manager will invest significant time in your career development. We provide constant, actionable feedback delivered through mentorship from the management team.  Because of our rapid growth, we constantly have new roles opening up and opportunities in many functions. This results in fast career growth for those who are ready to take up the challenge.

Are you a dream candidate?

  • You have 4+ years of experience in data analysis and project management
  • You are an advanced Excel/Google Sheets expert. Working knowledge of Java and SQL will be an added advantage.
  • You are a highly analytical problem-solver, with a proven track record of creating new systems and solving complex problems.
  • You are a structured & experienced project manager, adept at leading cross-functional teams, taking initiatives from concept to implementation.
  • You excel in data analysis and enjoy digging into data to find actionable insights
  • You love tackling tough problems and having fun in the process.

Apply Via

Read More
Hide Buttons