Business Analyst

Gulf African Bank PLC is a financial institution founded in 2006, headquartered in Nairobi, Kenya. It operates within the banking and financial services sector, offering Shariah-compliant products and services.

The Business Analyst will provide crucial support to the business team, specifically Assistant Relationship Managers (ARMs) and Relationship Managers (RMs), across their respective teams and regions. The primary objective is to maintain a high-quality client portfolio in strict adherence to the Bank’s internal policies, including Shariah compliance, and other regulatory guidelines. This involves a comprehensive approach to client management and operational efficiency within the banking framework.

1. Implement the retail personal finance business plan and strategy.
2. Ensure efficient conversion of approved assets by following up with relevant parties.
3. Support retail business development, monitoring, and debt recovery strategies to enhance the retail asset portfolio.
4. Address and resolve customer complaints effectively.
5. Coordinate with support functions to facilitate the growth of consumer banking assets.
6. Comply with all applicable laws, regulations, and the Bank’s internal policies and procedures.
7. Daily review and management of personal finance and check-off facilities.
8. Collate weekly and monthly retail pipeline data and track conversion rates.
9. Process check-offs promptly and ensure delivery of schedules/instructions to employers.
10. Monitor monthly loan and check-off payments.
11. Review and reconcile all scheme accounts by the 5th and 15th of each month to assess performance.
12. Prepare credit modification reports, including scheme account restructures, within SLA by the 15th of each month.
13. Engage actively with support functions like Credit Risk and SDU to drive efficiency and growth.
14. Ensure full compliance with Credit Policy Guidelines and internal/regulatory requirements.
15. Submit performance reports and adhere to internal Service Level Agreements (SLAs).
16. Develop and continuously review retail banking operational policies and procedures, ensuring compliance.
17. Perform other duties as assigned by management.
18. Provide support and liaison between the bank, customers, and employers.
19. Ensure targeted Memoranda of Understanding (MOUs) achieve desired uptake and penetration.
20. Compile and share regular retail performance reports with relevant teams.
21. Monitor portfolio clean-up and follow up with Credit Administration to ensure facilities are correctly maintained.
22. Contribute to growing the bank’s market share through innovative banking products and services.
23. Build and maintain strong customer relationships to foster excellent service and loyalty.
24. Coordinate sales activations and cross-sell initiatives to increase customer usage of existing products.
25. Collate asset and liability commitments from Retail Relationship Managers.
26. Provide daily updates on disbursed deals for Coast and up-country branches.

1. University degree in a business-related field.
2. Minimum of 2 years of experience.
3. Awareness of financial services operations.
4. Knowledge of the credit industry, legal processes, and their application in scheme administration.
5. Proven relationship management experience.
6. Strong public relations skills, capable of building and maintaining effective working relationships in various settings.