Job Purpose: 

To ensure and maintain a high-quality Retail lending book by managing the analysis and approvals of Retail & MSEs Loans within the bank’s policies and delegated authorities.

He/she will manage and train staff within the unit and support in establishing professional underwriting structures, processes, and culture for Retail Lending Business.

Key responsibilities:

• Oversee review and approval of Retail & MSE Loans and Credits Cards Credit referred to credit by the scoring systems.
• Oversee credit risk assessment and sanctioning of non-scored Retail & MSEs Loans and Credit Cards.
• Manage the Retail underwriting team to ensure reviewed applications are within policy guidelines and delegated authority. 
• Ensure Turn around Times are met as per service Level Agreements.
• Ensure robust tracking and monitoring for optimum underwriters’ productivity levels.
• Training Credit staff, Management Trainees and Frontline staff on credit appraisal and the general parameters for Retail credit products. 
• Approval of facilities within delegated authority.
• Ownership of governance within the Retail underwriting unit.
• Review of processes within the unit to ensure they support the business aspirations.
• Coordinate the process of movement of applications and advising credit decisions between branches and approving authorities.
• Preparing Credit proposals that need Credit Committee approvals.
• Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio.

Academic Qualifications:

• Bachelor’s degree in business or a related field from a recognized Institution.
• Professional Banking or Accountancy qualifications will be an added advantage.

Work Experience and Core Competencies:

• At least 7 years relevant experience Credit unit of the Bank with at least 4 years in a supervisory capacity.
• Excellent knowledge of all Retail Banking products. 
• Ability to write comprehensive reports. 
• Excellent communication and interpersonal skills.
• Strong people-management skills.
• Advanced financial risk analysis skills.
• Advanced credit risk management skills.
• Excellent problem solving and decision-making skills. 
• High level of people management skills.

If you believe you meet the above requirements log onto our www.imbankgroup.com/ke and click on careers and apply for the position. Your application should reach us as soon as possible but not later than 19th April 2026.