Job Description

Business Growth & Commercial Leadership (30%)

• Execute the DFS Commercialization & Growth strategy aligned with the Bank’s overall business, digital transformation, and growth objectives.
• Drive sustainable revenue growth, customer acquisition, product adoption, and transaction volume expansion across all DFS products and channels.
• Identify and pursue new business opportunities, customer segments, value chains, and market expansion initiatives.
• Develop commercial plans, budgets, forecasts, and growth targets for the DFS business.
• Establish and monitor strategic growth initiatives to maximize market share and profitability.

Sales Management & Market Execution (20%)

• Manage sales execution for DFS products and services.
• Drive customer acquisition, onboarding, activation, engagement, and retention across digital channels.
• Develop and implement sales initiatives to increase active users, transaction volumes, and channel utilization.
• Guide and train the relationship, and sales teams.
• Ensure effective execution of product launches, campaigns, and customer activation programs.

Product Adoption & Revenue Growth (10%)

• Increase customer usage and transaction volumes across mobile banking, agency banking, cards, merchant payments, digital payments, and other DFS solutions.
• Drive customer migration from traditional banking channels to digital channels.
• Develop customer activation and retention strategies to improve customer lifetime value.
• Establish initiatives to increase digital transaction revenues and channel profitability.
• Monitor customer behavior and product utilization trends to improve adoption and commercial performance.

Ecosystem Development & Partnerships (10%)

• Develop and implement ecosystem banking and value chain strategies to deepen customer relationships and unlock new revenue opportunities.
• Expand KCB’s digital distribution footprint through strategic partnerships with corporates, fintechs, merchants, aggregators, telecommunications companies, and other ecosystem players.
• Identify and develop partnerships that drive customer acquisition, transaction growth, and business expansion.
• Manage DFS customers promotions negotiations and management of commercial partnerships supporting DFS growth objectives.

Cross-Selling & Customer Value Maximization (10%)

• Promote value chain banking opportunities across key sectors and key customer base groups.
• Drive cross-selling opportunities across Retail Banking, SME Banking, Corporate Banking, Agency Banking, Merchant Payments, and Digital Banking businesses.
• Collaborate with business units to maximize customer penetration and wallet share.
• Design customer engagement initiatives that enhance product usage and deepen banking relationships.
• Develop propositions tailored to key customer segments and industry value chains.

Performance Management & Analytics (10%)

• Monitor and manage DFS sales performance across regions, customer segments, and product lines.
• Track achievement against budgets, targets, and business plans while identifying corrective actions where needed.
• Utilize market intelligence, customer insights, and analytics to identify growth opportunities and improve performance.
• Conduct profitability analysis and commercial reviews to optimize resource allocation and investment decisions.

Stakeholder Management (10%)

• Work closely with Retail, Corporate, SME, Operations, Technology, Marketing, Risk, and Finance teams to drive DFS business growth.
• Serve as the key commercial interface between DFS and regional business teams.
• Build strong relationships with internal and external stakeholders to support strategic business objectives.
• Represent the DFS department in the different regions of industry forums, innovation platforms, and digital financial services initiatives.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Particulars Detail Specific Field or Qualification Need Type[1]
• Education Bachelor’s Degree Business Related, Banking, Finance,
• Professional Qualifications CPA (T), Marketing, IT etc
• Master’s degree Business Administration

Experience

Total Minimum Cumulative No of Years’ Experience Required 8

[1] Need Types are : RQ = Required, AA = Added Advantage

• Execute the DFS Commercialization & Growth strategy aligned with the Bank’s overall business, digital transformation, and growth objectives.
• Drive sustainable revenue growth, customer acquisition, product adoption, and transaction volume expansion across all DFS products and channels.
• Identify and pursue new business opportunities, customer segments, value chains, and market expansion initiatives.
• Develop commercial plans, budgets, forecasts, and growth targets for the DFS business.
• Establish and monitor strategic growth initiatives to maximize market share and profitability.
• Manage sales execution for DFS products and services.
• Drive customer acquisition, onboarding, activation, engagement, and retention across digital channels.
• Develop and implement sales initiatives to increase active users, transaction volumes, and channel utilization.
• Guide and train the relationship, and sales teams.
• Ensure effective execution of product launches, campaigns, and customer activation programs.
• Increase customer usage and transaction volumes across mobile banking, agency banking, cards, merchant payments, digital payments, and other DFS solutions.
• Drive customer migration from traditional banking channels to digital channels.
• Develop customer activation and retention strategies to improve customer lifetime value.
• Establish initiatives to increase digital transaction revenues and channel profitability.
• Monitor customer behavior and product utilization trends to improve adoption and commercial performance.
• Develop and implement ecosystem banking and value chain strategies to deepen customer relationships and unlock new revenue opportunities.
• Expand KCB’s digital distribution footprint through strategic partnerships with corporates, fintechs, merchants, aggregators, telecommunications companies, and other ecosystem players.
• Identify and develop partnerships that drive customer acquisition, transaction growth, and business expansion.
• Manage DFS customers promotions negotiations and management of commercial partnerships supporting DFS growth objectives.
• Promote value chain banking opportunities across key sectors and key customer base groups.
• Drive cross-selling opportunities across Retail Banking, SME Banking, Corporate Banking, Agency Banking, Merchant Payments, and Digital Banking businesses.
• Collaborate with business units to maximize customer penetration and wallet share.
• Design customer engagement initiatives that enhance product usage and deepen banking relationships.
• Develop propositions tailored to key customer segments and industry value chains.
• Monitor and manage DFS sales performance across regions, customer segments, and product lines.
• Track achievement against budgets, targets, and business plans while identifying corrective actions where needed.
• Utilize market intelligence, customer insights, and analytics to identify growth opportunities and improve performance.
• Conduct profitability analysis and commercial reviews to optimize resource allocation and investment decisions.
• Work closely with Retail, Corporate, SME, Operations, Technology, Marketing, Risk, and Finance teams to drive DFS business growth.
• Serve as the key commercial interface between DFS and regional business teams.
• Build strong relationships with internal and external stakeholders to support strategic business objectives.
• Represent the DFS department in the different regions of industry forums, innovation platforms, and digital financial services initiatives.

• Bachelor’s Degree in Business Related, Banking, Finance, Marketing, IT etc.
• Professional Qualifications such as CPA (T) is an added advantage.
• Master’s degree in Business Administration is an added advantage.