The Co-operative Bank of Kenya Limited, a leading commercial bank in Kenya with a strong regional footprint and a reputation for innovation in financial services, continues to strengthen its strategic capacity across Corporate Banking, Credit Risk Management, and Core Banking Technology. As part of its ongoing growth and transformation agenda, the Bank is inviting applications from qualified and experienced professionals to fill several senior and mid-level roles within its Corporate and Technology functions.
These opportunities are suited for high-performing professionals with demonstrated expertise in corporate credit risk analysis, relationship management, portfolio oversight, and core banking system support. The successful candidates will join a performance-driven environment that emphasizes prudent risk management, customer-centric banking, operational excellence, and regulatory compliance.
The following positions are currently open for application:
- Head – Corporate Credit Risk Analysis
- Finacle Support Engineer
- Relationship Manager – Corporate Banking (Agribusiness, Manufacturing & Trade Sector)
- Portfolio Manager
Each role is detailed below with a comprehensive job description to support informed applications and alignment with the Bank’s strategic objectives.
Head – Corporate Credit Risk Analysis
Role Overview
The Head – Corporate Credit Risk Analysis will provide strategic leadership in the assessment, evaluation, and management of corporate credit risk exposures across the Bank’s corporate portfolio. The role is central to ensuring sound credit decision-making, maintaining asset quality, and supporting sustainable growth within the corporate banking segment.
The position requires a strong understanding of corporate lending, financial analysis, sectoral risk profiling, regulatory compliance, and risk governance frameworks within the Kenyan banking environment.
Key Responsibilities
• Provide overall leadership and direction to the Corporate Credit Risk Analysis function, ensuring alignment with the Bank’s credit risk strategy and risk appetite framework.
• Oversee comprehensive credit appraisal processes for large and complex corporate facilities, including term loans, working capital lines, structured trade finance, and project finance transactions.
• Evaluate detailed financial models, cash flow forecasts, capital structures, and business projections to determine creditworthiness and repayment capacity.
• Assess industry-specific risks within key sectors including manufacturing, agribusiness, trade, infrastructure, and services.
• Provide independent risk assessment and recommendations to relevant Credit Committees, including Executive Credit Committee and Board Credit Committee where applicable.
• Ensure adherence to internal credit policies, Central Bank of Kenya prudential guidelines, IFRS 9 impairment standards, and Basel risk management principles.
• Develop and refine risk rating methodologies, internal scoring models, and credit evaluation frameworks.
• Monitor portfolio risk trends, early warning indicators, and sector concentration exposures to mitigate potential deterioration.
• Collaborate with Corporate Banking Relationship teams to structure facilities that balance risk and return.
• Lead stress testing exercises and scenario analysis for large exposures and sensitive sectors.
• Support internal and external audit reviews by ensuring documentation completeness and policy compliance.
• Mentor and develop credit analysts, fostering technical competence in financial analysis and credit structuring.
Impact of the Role
The Head – Corporate Credit Risk Analysis will play a critical role in safeguarding the Bank’s asset quality, minimizing non-performing loans, and strengthening credit governance. The role contributes directly to sustainable corporate portfolio growth while maintaining prudent risk management standards.
Finacle Support Engineer
Role Overview
The Finacle Support Engineer will be responsible for providing technical support, system administration, troubleshooting, and continuous optimization of the Bank’s core banking platform. The role supports operational continuity, system stability, and performance integrity of the Finacle Core Banking System.
This position is central to ensuring seamless transaction processing, data integrity, and integration with peripheral banking applications.
Key Responsibilities
• Provide second-level and third-level technical support for Finacle Core Banking modules, including retail, corporate, treasury, and trade finance modules.
• Diagnose and resolve system incidents, performance bottlenecks, and transactional errors within defined service level agreements (SLAs).
• Monitor system logs, database performance, and application health to proactively detect anomalies.
• Support end-of-day (EOD) and end-of-month (EOM) processing cycles, ensuring timely and accurate execution.
• Coordinate with vendors and Finacle product support teams on system patches, upgrades, and version enhancements.
• Perform root cause analysis for recurring issues and implement corrective and preventive actions.
• Support integration between Finacle and third-party applications including digital banking platforms, payment gateways, and regulatory reporting systems.
• Maintain proper documentation of system configurations, change requests, incident reports, and resolution procedures.
• Participate in system testing, user acceptance testing (UAT), and release management processes.
• Ensure compliance with IT governance frameworks, cybersecurity standards, and data protection requirements.
• Support disaster recovery planning and business continuity testing for core banking operations.
Impact of the Role
The Finacle Support Engineer ensures uninterrupted banking operations by maintaining system stability and resolving technical issues promptly. The role directly supports customer service delivery, regulatory reporting accuracy, and operational efficiency across the Bank’s network.
Relationship Manager – Corporate Banking (Agribusiness, Manufacturing & Trade Sector)
Role Overview
The Relationship Manager – Corporate Banking will be responsible for managing and growing a portfolio of corporate clients within the Agribusiness, Manufacturing, and Trade sectors. The role involves client acquisition, relationship management, credit structuring, revenue generation, and risk monitoring.
This position requires a strong understanding of sector dynamics, working capital financing, structured trade facilities, and corporate cash management solutions.
Key Responsibilities
• Develop and execute business development strategies targeting corporates in agribusiness, manufacturing, and trade.
• Identify new client acquisition opportunities and convert prospects into funded relationships.
• Structure tailored financial solutions including working capital loans, asset finance, trade finance, term loans, and cash management services.
• Conduct financial statement analysis and prepare high-quality credit proposals in collaboration with Credit Risk teams.
• Drive revenue growth through cross-selling of treasury products, transaction banking solutions, and digital banking services.
• Maintain strong client engagement through regular relationship reviews, site visits, and sector intelligence gathering.
• Monitor portfolio performance, ensuring compliance with covenants and proactive management of early warning signals.
• Ensure adherence to KYC, AML, and regulatory compliance standards.
• Coordinate internally with credit, operations, treasury, and risk teams to ensure efficient turnaround times.
• Maintain detailed pipeline tracking and performance reporting aligned with budget targets.
Impact of the Role
The Relationship Manager directly contributes to corporate revenue growth, sector diversification, and long-term client partnerships. The role strengthens the Bank’s position within key economic sectors that drive national development and export trade.
Portfolio Manager
Role Overview
The Portfolio Manager will be responsible for monitoring, managing, and optimizing a designated credit portfolio to ensure performance, quality, and compliance. The role focuses on post-disbursement credit monitoring, risk mitigation, and performance reporting.
The Portfolio Manager acts as a key link between Relationship Management, Credit Risk, and Remedial Management functions.
Key Responsibilities
• Monitor the performance of assigned credit portfolios, including corporate and SME exposures.
• Track key portfolio metrics such as non-performing loan ratios, sector concentration, risk grades, and covenant compliance.
• Conduct periodic portfolio reviews and recommend corrective actions where risk thresholds are breached.
• Identify early warning signals and initiate remedial action plans in collaboration with Relationship Managers.
• Prepare portfolio performance reports for senior management and credit committees.
• Support stress testing, provisioning analysis, and IFRS 9 impairment assessments.
• Ensure timely renewal and review of credit facilities in line with policy requirements.
• Maintain accurate documentation and compliance records.
• Coordinate with legal and recovery teams where necessary for accounts under stress.
• Provide analytical insights on sector trends and portfolio risk concentrations.
Impact of the Role
The Portfolio Manager strengthens credit risk oversight by ensuring continuous monitoring and early risk identification. The role supports asset quality preservation and informed decision-making at senior management level.
Application Information
These roles present opportunities for experienced professionals to contribute to a leading financial institution committed to innovation, financial stability, and customer-centric banking solutions.
Applicants are encouraged to review each role carefully and submit their applications through the official Co-operative Bank of Kenya careers portal in accordance with the application guidelines provided.
