Vacancy title:
Retail Credit Quality Assurance Officer

[Type: FULL_TIME, Industry: Financial Services, Category: Accounting & Finance]

Jobs at:
Housing Finance Company of Kenya HFC

Deadline of this Job:
Thursday, October 23 2025

Duty Station:
Kenya | Nairobi | Kenya

Summary
Date Posted: Monday, October 13 2025, Base Salary: Not Disclosed

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JOB DETAILS:

Principle Accountabilities

Relationship Management

• Act as the primary interface between Credit Analysis, Bank assurance, and Scheme Administration teams.
• Support Business teams in serving customers efficiently by providing prompt feedback.
• Deliver quality feedback and reports on returned loan applications, highlighting areas of concern and improvement.
• Engage with Scheme Companies to confirm employee documents for timely loan processing.
• Maintain and update Scheme Lists and contact details.

Credit Governance & Assurance

• Perform thorough checks on KYC documentation and conduct callbacks as per policy:
  • Ensure loan applications include complete and valid KYC documentation.
  • Verify consistency between KYC details and other loan documents, requesting supporting explanations where discrepancies exist.
  • Confirm KYC documentation is properly certified by the respective branch.
  • Conduct callbacks for verification of introduction letters, bank statements, pay slips, and change of pay points.
  • Undertake physical visits to Employer offices when necessary.
• Ensure efficient processing of personal banking loans to achieve a turnaround time of less than 1 day:
  • Process Scheme Unsecured Personal Loans within 6 hours.
  • Process Non-Scheme Unsecured Personal Loans within 9 hours.
  • Process Scheme Secured Personal Loans within 6 hours.
  • Process Non-Scheme Secured Personal Loans within 9 hours.
• Maintain up-to-date registers for contact details of scheme and approved companies.
• Maintain current contact lists and signatories for scheme and approved companies:
  • Keep an updated register and serve as custodian for approved signatories.
  • Continuously update contact details for approved signatories.
• Conduct high-level checks to minimize reworks from Risk to the Governance team:
  • Ensure applications are complete and thoroughly processed.
  • Perform callbacks on loan documents.
  • Coordinate with the Sales team to highlight areas needing improvement.
• Provide support for branch applications to reduce reworks:
  • Share regular daily and monthly reports highlighting training and process improvement needs.
  • Identify training needs and escalate them to the Credit team.

Operations & Audits

• Ensure compliance with all credit policy guidelines.
• Follow through with transactions to completion.
• Address audit queries related to the credit governance process.
• Champion the implementation of credit processes to enhance departmental efficiency.
• Identify training needs for loan application processing to reduce reworks and improve turnaround time.
• Monitor turnaround times for applications from the Sales team and processing times between Credit Analysis and Evaluation.
• Track applications at the conveyancing stage to ensure timely responses and meet customer commitments.

Revenue Generation & Cost Management

• Minimize Non-Performing Loans (NPLs) by preventing fraudulent or suspicious loan applications.
• Support Relationship Managers in achieving income targets (interest and non-interest income).
• Manage office costs within reasonable levels.
• Cross-sell bank products via email, phone calls, and physical callbacks.
• Promote products that deliver quick income.

Key Competencies and Skills

• Excellent written and oral communication skills.
• Strong interpersonal skills with the ability to work effectively with individuals and groups at all organizational levels.
• Ability to work independently and as part of a team.
• Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
• Proactive with strong prioritization, time-management, organization, and problem-solving skills.
• Basic analytical ability with active listening skills.
• Keen attention to detail with strong scrutiny and examination capabilities.
• Ability to maintain confidentiality of sensitive information.
• Adaptability to changing business needs and deadlines.

Minimum Qualifications, Knowledge and Experience

Professional Qualifications:

• CPA or ACCA qualification.

Work Experience:

• 3–5 years of banking experience, with at least 2 years in loans administration.
• Knowledge of Credit and Operations.
• Proficiency in Microsoft Office applications (Word, Excel, PowerPoint).
• General knowledge of banking processes.

Work Hours: 8

Experience in Months: 36

Level of Education: bachelor degree

Job application procedure

Interested and qualified candidates should Click here

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