Summary
Date Posted: Thursday, February 13 2025, Base Salary: Not Disclosed

JOB DETAILS:
Indo Zambia Bank Limited, a bank that has been operating in Zambia since 1984 and has a branch network of 37 branches and agencies across the country, has exciting career opportunities for individuals seeking to grow in the banking and financial services sector.

A. CORPORATE SERVICES AND ADMINISTRATION DEPARTMENT
BRAND AND COMMUNICATIONS UNIT
1. BRAND MARKETING & COMMUNICATIONS MANAGER * 1
Job Purpose
This role is responsible for overseeing the Bank’s overall marketing and communications strategy.

Job Key Responsibilities:
• Providing input into developing the Bank’s brand and developing comprehensive brand guidelines to ensure effective brand management.
• Identifying target markets and develop strategies to communicate with and to market them.
• Conduct research into attaining customer marketing insights
• Formulating and implementing a long term Retail and Corporate marketing and communication Strategy for pushing Banks products to the target market segments.
• Ensuring a consistent brand message is delivered across all communication channels and to all segments.
• Developing relationships with key media to secure and grow media coverage both online and offline.
• Planning, coordinating and implementing marketing and promotional campaigns in order to enhance IZB’s image in the market and increase brand awareness.
• Monitoring and analyzing market trends and recommending changes to marketing and business development strategies based on analysis and feedback.
• Developing value propositions aligned to customer expectations and maintaining effective internal communications to ensure that all relevant Bank functions are kept informed of marketing objectives.
• Recommending supportive activities for introducing products and channels on the market in coordination with the product development committee.
• Developing incentive programs for the increase of sales through the use of market research results and also monitoring competitor activities.
• Explore ways to improve new and existing product and services offering to increase overall profitabity.
• Manage the production of promotional materials in collaboration with the Corporate Services team and support lead generation initiatives.

Required Skills and Attributes
• Highly conversant and proficient with Microsoft package;
• Good communications, interpersonal and organizational skills;
• Presentation and Facilitation skills
• Strong propensity towards Aesthetics
• Decision making and judgment

Qualifications and Experience
• Grade 12 Certificate with Credit or above mandatory in Mathematics and English and any other three subjects.
• Must possess a University degree with a credit or better in any business-related field form a reputable university
• Master’s Degree or equivalent Professional Banking & Finance certification will be an added advantage;
• Minimum Experience: 8years, with 3 years experience in leading Marketing Strategy
• Must possess relevant sales and marketing accreditations and certifications, most notably membership to the Zambia Institute of Marketing

2. MARKETING AND GRAPHIC OFFICER *1
Job Purpose
The Graphic Officer will be responsible for supporting the needs of the Bank, with a focus on creative content development, layout, and design.

Job Key Responsibilities:
• Create and manage content For the Bank’s social media, emails, and other forms of digital communication.
• Developing concepts, graphics, and layouts, including making decisions about fonts, images, readability, and readers’ needs.
• Responsible for layout and updates to company marketing materials, including presentations, brochures, emails, infographics, corporate templates, and the corporate website.
• Keeping up to date with design and software trends.
• Liaising with external printers or production teams to ensure deadlines are met and material is printed or presented to the highest quality.
• Provides support for portal and website administration and other activities
• Experience in digital marketing.

Qualifications and Experience
• At least 5 years of similar experience – Advertising Agency/Commercial Bank is desired
• Bachelor’s degree in Graphic design, digital marketing.
• MS Office skills, including Word, Excel, PPT and Outlook
• Graphic programs, such as Photoshop, Illustrator, InDesign or similar
• Experience with HTML and Marketing Automation software (i.e. Marketo) a plus

3. MARKETING OFFICER *1
This role is responsible for assisting the Bank’s overall Corporate Marketing and Communications Manager to deliver the Brand and Marketing strategy.

Responsibilities:
• Marketing Plan Execution: Assist in the implementation of marketing plans across various channels, including digital, print, social media, and events.
• Campaign Management: Manage marketing campaigns from start to finish, including planning, execution, tracking, and reporting.
• Market Research: Conduct market research to identify trends, customer needs, and competitive landscape. Analyze data to inform marketing decisions.
• Social Media Management: Manage social media presence across different platforms, creating and scheduling content, engaging with followers, and monitoring brand mentions.
• Email Marketing: Assist in developing and executing email marketing campaigns to nurture leads, promote products/services, and communicate company updates.
• Event Planning & Management: Support the planning and execution of marketing events, including conferences, trade shows, product launches, and webinars.
• Budget Management: Assist in managing marketing budgets effectively, ensuring efficient allocation of resources.
• Performance Measurement & Reporting: Track and analyze key performance indicators (KPIs) to measure the effectiveness of marketing campaigns and provide regular reports on results.
• Collaboration: Work closely with other departments, such as sales, product development,
and customer service, to ensure alignment and maximize marketing impact.
• Vendor Management: Manage relationships with external vendors, such as printers, designers, and advertising agencies.
• Team Leadership: Supervise and mentor junior marketing staff, providing guidance and support.

Qualifications:
• Grade 12 with 5 credits including English and Mathematics
• Bachelor’s degree in marketing, Communications, or a related field.
• 5 years work experience in Marketing
• Strong understanding of marketing principles and best practices.
• Excellent written and verbal communication skills

4. CUSTOMER SERVICE ASSISTANT *2
Job Purpose
The Customer Service Assistant will actively promote and sell products or services and
to create a positive customer experience.

Responsibilities:
• Greet customers warmly and assist them with their inquiries, providing information about products and services.
• Proactively identify customer needs and recommend appropriate products or services to meet those needs.
• Process sales transactions accurately and efficiently, including handling cash, credit card, and other forms of payment.
• Maintain a thorough understanding of product knowledge, including features, benefits, and pricing.
• Resolve customer complaints and issues effectively, escalating complex problems to the appropriate department when necessary.
• Build and maintain strong relationships with customers, fostering loyalty and repeat business.
• Meet or exceed sales targets and contribute to the overall sales goals of the team.
• Assist with visual merchandising, ensuring that displays are attractive and well-stocked.
• Maintain a clean and organized work environment.
• Stay up-to-date on product knowledge, company policies, and industry trends.
• Assist with other duties as assigned, such as inventory management or supporting other departments.

Qualifications and Experience
• Grade 12 with 5 credits including English and Mathematics
• 5 years of relevant experience in customer service and sales.
• Bachelors degree in any business field
• Ability to pay close attention to detail and be flexible in a fast paced and growing organization.

BUSINESS RELATIONSHIP MANAGEMENT UNIT
1. DIGITAL SALES MANAGER*1

Job Purpose
• The Digital Sales Manager will be responsible for driving the Bank’s Digital Sales. Digital Sales Manager will drive and expand the digital needs of a customer, target new customer segments, and grow your customer base beyond geographical limitations
• Develop and implement effective digital sales strategies to drive sales growth.
• Coordinate and integrate of the Banks platform with the IT function for acquisition of customers.
• Manage a team of digital sales team, providing coaching and guidance to ensure maximum performance.
• Analyze sales metrics to identify areas for improvement.
• Forecast quarterly and annual profits and adjust budgets as needed.
• Coordinate with the marketing department to optimize marketing efforts.
• Keep up-to-date with new product launches and ensure sales team members are on board.
• Manage and Administer Alternate Delivery Channel (Digital Banking) of the Bank i.e. Mobile banking, Internet Banking, Payment Gateways, ATM etc.
• Market for products which include ATM, POS, KIOSK, Fast Track Internet Banking, Mobile Banking, Electronic Payment and any other Digital Financial Services under purview.
• Align and develop digital sales vision and strategy in line with business strategy.
• Ensure & monitor all operational & backward processes of all delivery channels including all sorts of dispute Management.
• Assess the training requirements of the branch heads and RMs and ensure they receive adequate and relevant training.

Qualifications and Experience
• Grade 12 with five Credits including English and Mathematics
• Bachelor’s degree in IT, Business Administration, Marketing, or related field.
• Proven work experience as a Digital Sales Manager
• Minimum Experience: 8 years, with 3 years experience in leading Digital Sales Strategy

2. RETAIL DIRECT SALES AGENTS
Job Purpose
The Direct Sales Agents are responsible for finding prospective customers and closing the sales.

Key Responsibilities:
• Lead Generation – Proactively identify and prospect potential Retail customers through various channels, including cold calling, networking, referrals, online marketing, and community engagement.
• Sales – Present the Retail products, clearly articulating its features, benefits, and terms. Effectively address customer inquiries, overcome objections, and close deals.
• Cross Selling: Thorough knowledge of the Bank products and services in order to cross sell the same and leverage on other products and services that customers are availing.
• Customer Relationship Management – Cultivate and maintain strong customer relationships to ensure satisfaction, encourage repeat business, and generate referrals.
• Product Knowledge – Maintain expert-level knowledge of the Retail product, including interest rates, loan terms, eligibility criteria, and required documentation.
• Sales Targets – Consistently meet or exceed monthly and quarterly sales targets established by Indo Zambia Bank.
• Reporting – Maintain accurate records of sales activities, customer interactions, and deal progress. Provide regular reports to the Retail Manager.

Qualifications & Experience
• Minimum Grade 12 certificate with 5 credits, including English and Mathematics. A degree in Marketing, Business Administration, or a related field is preferred.
• 3 years of proven experience in sales and relationship management, preferably in the financial services sector.
• Excellent communication, interpersonal, and presentation skills.
• Strong negotiation and closing skills.
• Self-motivated, results-oriented, and able to work independently.
• Proficient in using CRM software and Microsoft Office Suite.

B. AUDIT DEPARTMENT
1. MANAGER IT AUDIT *1
Job Purpose
The Manager will support the Internal Audit Function to deliver the assurance assignments, execute planned audits in line with the audit plans and prepare reports of audit findings in accordance with the Bank’s risk management guidelines, internal control procedures and the Bank’s strategic objectives. Be responsible for conducting risk-focused audits; advising business units on the design, implementation, and maintenance of internal controls; and promoting compliance with Bank’s policies and procedures, accounting standards, control policies, and applicable legislation.

Key Responsibilities
• Carry out regular review of Bank IT systems and analysis of financial data to provide early warning signs needed for further investigations
• Perform revenue assurance engagements regularly highlighting areas of weakness and making recommendations for correction of anomalies noted.
• Review of daily system generated reports to ensure data integrity and reperform computations using ACL to ensure accuracy of data.
• Participate in the planning of auditable areas including risk assessment and drawing up of audit programs to identify areas of great concern and focus of audit resources.
• Conduct audits either individually or as part of a team so as to give assurance as to the effectiveness of controls and other risk mitigating measures.
• Write reports on the work done and make the necessary recommendations for improving controls and operational efficiency.
• Manage the audit files to ensure that audit findings are well supported.
• Conduct special tasks including investigating as will be assigned from time to time to achieve specified objectives.
• Verify the accuracy and completeness of statutory / BOU returns.
• Timely preparations of a comprehensive audit plan of assigned areas.
• Systematic and organized audit working papers.
• Organized execution of audits.
• High quality of working papers and reports of audit findings.
• Timely submission of verified statutory returns to BOU.

Qualifications and Experience
• Grade 12 with five credits including English and Mathematics
• Bachelor’s degree in finance, Accounting, Statistics, Economics or a related business field.
• Poses certifications: Certified in Risk and Information Systems Control (CRISC), Certified Information Systems Auditor (CISA), or other related certifications.
• Minimum of 8 years of work experience in Audit, IT Audit, or IT Risk Management, with 3 years’ experience at supervisory level.
• A master’s degree or relevant professional certifications (e.g., CISA, ACCA/CA Zambia)
is an advantage.
• Excellent project oversight and leadership skills with a keen interest in process improvement.
• Superior time management skills, with ability to effectively prioritize and multitask in a dynamic environment.
• Exposure to the regulatory landscape of the banking industry.
• Risk data and/or modelling, model risk management experience is an asset.

Required Skills and Attributes
• Proficiency in Microsoft Word and Excel
• Ability to collect, analyze and evaluate information and the preparation of written concise reports of work performed.
• Ability to communicate clearly and efficiently, both orally and in writing.
• Analytical and possession of an objective and probing mind.

C. INFORMATION TECHNOLOGY DEPARTMENT
1. I.T. OFFICER – JAVA FULL STACK DEVELOPER
We are seeking a skilled Java Full Stack Developer to join our team. The ideal candidate will have experience in both frontend and backend development, with expertise in Java, Spring Boot, and modern frontend frameworks like Angular or React.

Key Responsibilities:
• Design, develop, and maintain scalable full-stack applications using Java and frontend technologies.
• Implement RESTful APIs and integrate with databases (SQL/NoSQL).
• Work with microservices architecture and ensure efficient deployment.
• Utilize containerization technologies (Docker, Kubernetes) for application deployment and scaling (preferred).
• Collaborate with cross-functional teams to deliver high-quality software.
• Ensure application security, performance, and reliability.
• Strong experience in Java, Spring Boot, Hibernate.
• Proficiency in frontend technologies like Angular, React, or Vue.js.
• Experience with REST APIs, microservices, and cloud environments.
• Knowledge of containerization (Docker, Kubernetes) is a plus.
• Familiarity with CI/CD pipelines, DevOps practices.
• Strong problem-solving and communication skills. If you are passionate about building modern, scalable applications and have experience with containerization.

Qualifications and Experience
• Grade 12 with five credits including English and Mathematics
• Bachelor’s degree in Computer Science. A master’s degree is an advantage.
• Minimum of 5 years of work experience
• Strong experience in Java, Spring Boot, Hibernate.
• Proficiency in frontend technologies like Angular, React, or Vue.js.
• Experience with REST APIs, microservices, and cloud environments.
• Knowledge of containerization (Docker, Kubernetes) is a plus.
• Familiarity with CI/CD pipelines, DevOps practices.
• Strong problem-solving and communication skills. If you are passionate about building modern, scalable applications and have experience with containerization.

2. I.T. APPLICATIONS OFFICER
We are looking for an experienced Applications Officer to oversee the development, maintenance, and support of enterprise applications. The ideal candidate will ensure that business applications meet operational requirements, align with company goals, and support digital transformation initiatives.

Key Responsibilities:
• Oversee the design, implementation, and maintenance of business applications.
• Manage a team of developers, analysts, and support staff to ensure efficient application delivery.
• Collaborate with stakeholders to gather requirements and optimize application performance.
• Ensure security, compliance, and scalability of applications.
• Drive application modernization, including cloud migration and integration with new technologies.
• Monitor system performance, troubleshoot issues, and implement improvements.
• Manage vendor relationships and third-party application providers.
• Develop and enforce best practices for application lifecycle management.

Qualifications and Experience
• Grade 12 with five credits including English and Mathematics
• Bachelor’s degree in Computer Science. A master’s degree is an advantage.
• Minimum of 5 years of work experience
• Proven experience as an Applications Manager or in a similar role.
• Strong knowledge of application development, deployment, and support.
• Experience with enterprise software, cloud solutions, and integration platforms.
• Familiarity with containerization (Docker, Kubernetes) is a plus.
• Understanding of ITIL processes, DevOps, and Agile methodologies.
• Excellent leadership, communication, and problem-solving skills. If you have a passion for managing enterprise applications and driving innovation, we encourage you to apply!

D. CREDIT DEPARTMENT
1. CREDIT ANALYSTS: CORPORATE/RETAIL/MSME/AGRIC/PUBLIC SECTOR/LARGE & GLOBAL CORPORATES
Origination and review of Corporate & Investment Banking, Retail, SME Banking, Agricultural Banking, Public Sector credit applications. Pro- actively support the sales force by assessing credit risk of assigned portfolio/accounts with a view to minimizing loss and maximizing Risk Adjusted Revenues through the Credit review process and assist with account maintenance.

Job Summary:
The Credit Analysts in the Retail or Corporate Banking Segment is responsible for evaluating the creditworthiness of individual borrowers, ensuring compliance with the bank’s credit policies, and maintaining a quality retail loan portfolio. The role focuses on consumer loans, personal loans, and mortgage financing.

Key Responsibilities:
• Analyze Reatail or Corporate customers’ risk using credit skills, ratio analysis, cash flow projections using Bank’s provided platforms, evaluation of parent support policies, credit grading and judgment of management and strategy
• The evaluation and analysis of Corporate syndicated credit proposals.
• Jointly structured facilities with Relationship Managers/Branch Heads to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts
• Evaluation and analysis of green asset financing transactions. Conduct comprehensive credit analysis of potential green projects and assets, evaluating their financial viability, environmental impact, and alignment with green finance standards
• Analyze and structure financing transactions ensuring compliance with relevant regulatory guidelines
• Evaluate the creditworthiness of large and global corporations. This critical role involves assessing complex financial structures, understanding global market dynamics, and providing insightful credit recommendations to support multinational lending decisions.
• To understand customer needs and inherent credit risk and act upon them
• Carry out research work and analyze market information so as to counter competitive pressures
• To ensure that all credit conforms to internal Credit Policy and regulatory guidelines
• Monitoring of credit quality and risk by highlighting early warning signs of credit deterioration.
• Obtaining and analysis of financial statements and raising appropriate concerns
• Recommending minimum pricing ranges/ risk margins using exiting tools
• Regular review of credit worthiness of clients using credit scoring techniques and other monitoring tools that may be available from time to time
• Audit preparedness at all times and Prompt co-operation with regulators and internal auditors where we have been inspected by regulators/internal audit
• Any special projects or adhoc roles that may be assigned

Qualifications and Experience
• Grade 12 with five Credits including English and Mathematics
• Bachelor’s degree in Finance, Accounting, or a related field.
• Minimum of 5 years’ experience in Retail/Corporate Segment credit analysis.
• Knowledge and experience in isalamic financing will be an added advantage
• Strong analytical and numerical skills.
• Knowledge of retail and Corporate banking products and credit evaluation techniques.
• Proficiency in credit analysis tools and CRB systems.
• Good communication and customer service skills.

Education Requirement: No Requirements

Job Experience: No Requirements

Work Hours: 8

Experience in Months:

Level of Education:

Job application procedure
• Applications should be submitted electronically, via our website using the link
• https://forms.gle/yVBZk343avkzekMYA 
• Application attachments should include clearly scanned copies of the Curriculum Vitae, Qualifications, Certifications and other supporting documents which will be uploaded via the link as one PDF document. Please note that physical applications will NOT be accepted.
• Closing date for the applications is 19th February, 2025
• To apply for this job please visit docs.google.com.

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