La Riba Universal Banker – Coast

Absa Bank Kenya PLC is a financial institution founded in 1916, offering a wide range of banking and financial services.

The Universal Banker is responsible for driving Islamic Banking business growth, managing portfolio risks, and collaborating on sales initiatives with various business functions. This includes conducting market intelligence to identify new opportunities, contributing to sales strategy development, and actively managing customer relationships to achieve set targets. The role emphasizes maintaining high service delivery standards, ensuring prompt funding of new accounts, and contributing to overall branch performance while adhering to the bank's strategic goals for growth, transformation, and returns.

1. Understand and implement strategic initiatives for Islamic Banking business growth within the branch.
2. Possess a comprehensive understanding of all Retail and Business Banking Islamic products to meet customer needs.
3. Manage portfolio risks in alignment with the bank's risk appetite.
4. Collaborate with other business functions like direct sales, asset finance, CIB, and Bancassurance to maximize cross-selling opportunities.
5. Contribute to product review and development by providing market feedback.
6. Continuously conduct market intelligence to identify new markets, customer trends, and regulatory changes.
7. Assist in developing the Islamic Banking branch sales strategy.
8. Plan and coordinate marketing approaches for new business and actively develop existing customer relationships.
9. Actively grow personal portfolio and cross-sell to achieve set targets.
10. Promptly appraise and address customer issues and complaints, escalating as necessary for timely resolution.
11. Ensure quality sales and prompt funding of new-to-bank accounts upon customer onboarding.
12. Monitor personal performance against daily targets for new and existing clients and initiate action plans for shortfalls.
13. Operationalize campaigns in coordination with the Branch Manager and business.
14. Ensure excellent customer experience at all times.
15. Drive business targets by strictly observing Turnaround Times (TAT) and high service delivery standards.
16. Adhere to Absa Bank's policies and procedures across all products.
17. Ensure compliance with KYC & AML processes for new and existing business, maintaining proper documentation.
18. Comply with Operations Risk requirements to prevent losses from operational lapses.
19. Manage costs within the assigned area of operation.
20. Effectively carry out branch snap checks as assigned.
21. Ensure new business is properly booked and all due income (charges, commissions, fees) is collected as per the current tariff.
22. Capture accurate customer information in the core banking system.
23. Achieve set TAT for account onboarding and loan processing.
24. Strictly adhere to TAT for responding to customer queries via phone, email, or letters.
25. Ensure customer data is always up to date.
26. Maintain branch NPS scores as per set standards.
27. Coordinate branch initiatives with the Branch Manager to gather customer feedback on service standards.
28. Monitor service to ensure customers are served within acceptable waiting times, with a work plan for peak and off-peak periods.
29. Contribute to creating a conducive work environment, fostering teamwork, and identifying succession opportunities.
30. Complete assigned e-learning and internal training activities within set timelines.
31. Determine and manage Training Needs Analysis and personal succession planning.
32. Manage personal leave in coordination with the Line Manager.

1. Hold a Business-Related Degree from a recognized university.
2. Possess at least 2 years of experience in Islamic banking.
3. Be familiar with various banking products and services, including checking accounts, savings accounts, loans, and credit cards.
4. Have detailed knowledge of Absa Retail & business banking product strategy.
5. Possess detailed knowledge of Muslim banking culture.
6. Understand the Islamic Banks competitor landscape and processes.
7. Have knowledge of Shariah Law, Shariah Board, and Shariah Audits.
8. Be familiar with Islamic Financial instruments.