Kenya Commercial Bank (KCB) About us KCB has been committed to enabling progress for 127 years by uplifting families, communities, businesses an
Kenya Commercial Bank (KCB)
About us
KCB has been committed to enabling progress for 127 years by uplifting families, communities, businesses and economies. We have impacted over 32M customers across 8 nations, from the Indian Ocean to the Atlantic Ocean.
Our promise is to continue to open doors to uplift lives, empower dreams and create positive impact across Africa. We are more than just a bank, we are enablers of dreams because we are about people and building a sustainable tomorrow for generations to come.
Bancassurance Sales Representative
Kenya
Job Category: Entry Level
Posting Date: 20/02/2026, 16:33
Apply Before: 06/03/2026, 23:59
Degree Level: Bachelor’s Degree
Job Schedule: Full time
Location: Kenya
Job Description
KEY RESPONSIBILITIES:
Achieve Retail & Insurance Sales Targets .
This involves meeting or exceeding revenue and volume targets set for both general retail banking products and insurance products. It requires: Proactive prospecting and client acquisition, Identifying opportunities within existing customer relationships, Actively promoting relevant insurance solutions during customer interactions, Managing your sales funnel effectively to ensure consistent conversions. Performance is usually measured against monthly, quarterly, and annual budgets.
Identify Customer Needs & Cross-Sell General and Life Insurance Products
This means conducting proper needs analysis during client engagements. The role requires: Understanding customers’ financial situations, risks, and future goals, Recommending suitable General Insurance products (e.g., motor, medical, property) and Life Insurance products (e.g., term life, investment-linked policies), Cross-selling by identifying additional coverage needs beyond the client’s initial request, Ensuring ethical selling practices and suitability of products.
Maintain a Minimum 85% Retention Ratio
Customer retention is critical in insurance since it ensures recurring premium income. Follow up with clients before policy renewals. Address service issues quickly to prevent policy lapses. Build strong relationships to enhance loyalty. Monitor renewal dates and proactively engage customers. An 85% retention ratio means that at least 85% of existing policies should renew.
Drive Life Insurance Sales
Life Insurance often requires deeper financial advisory skills. Educate clients on long-term financial planning. Promote savings, investment, education, and retirement plans. Handle objections related to long-term commitments. Build trust to close higher-value policies. Life Insurance usually contributes significantly to revenue targets.
Provide Pipeline Data & Monitor Sales Performance
Sales pipeline management includes: Tracking leads, prospects, proposals, and closed deals, Forecasting potential income, Submitting regular performance reports, Self-monitoring against targets daily, weekly, and monthly, This ensures accountability and allows managers to provide support where needed.
Manage Customer Queries & Complaints
The officer is the primary contact for customers regarding insurance matters, Provide clear explanations of policy terms and coverage, Resolve issues quickly and professionally, Escalate complex matters appropriately, Maintain high service standards to protect brand reputation.
Ensure Accuracy of Applications & Documentation
Insurance is highly regulated and documentation-sensitive, Verify client details, beneficiaries, policy terms, and premiums, Ensure compliance with KYC (Know Your Customer) requirements, Avoid errors that may lead to rejected claims or regulatory penalties, Maintain proper record-keeping, Accuracy directly impacts customer satisfaction and regulatory compliance.
Claims Reporting & Client Support
Claims handling is a key service element, Guide clients through the claims process, Ensure claim forms are properly filled and required documents attached, Submit claims promptly to Head Office, Provide updates to clients until settlement, Efficient claims handling improves trust and retention.
Ensure Premium Collection as per Credit Control Policy
Premium management ensures business sustainability, Monitor due premiums and prevent arrears, Follow up on unpaid premiums, Ensure adherence to company credit policies, Minimize risk exposure caused by lapsed or unpaid policies.
Conduct Branch Staff Training on Bancassurance Products
Since this is a Bancassurance role, collaboration with branch staff is crucial. You need to; Train staff on product features and benefits, Equip them to identify sales opportunities, Share updates on new products or policy changes, Foster teamwork between banking and insurance functions, This helps generate referrals and improve overall branch performance.
Ensure Compliance with Group Policies
Insurance and banking industries are heavily regulated, Adhere to internal policies and industry regulations, Follow ethical sales practices, Maintain confidentiality and data protection, Prepare for internal and external audits, Non-compliance can lead to financial penalties and reputational damage.
Overall Summary of the Role
This position is a Bancassurance Sales Officer–type role that combines:
- Sales performance
- Relationship management
- Administrative accuracy
- Customer service excellence
- Regulatory compliance
- Internal staff collaboration
It requires someone who is target-driven, detail-oriented, customer-focused, and knowledgeable about both General and Life insurance products. Do you feel like you are well-suited to the role?
Scroll on for the application link.
Qualifications
For the above position, the successful applicant should have the following:
Academic Qualifications:
- Bachelor’s degree from a university recognized by Commission of University Education.
- Master’s degree is an added advantage.
Professional Qualifications
Ideal candidate must have either of below:
- Certificate of Proficiency in Insurance /Executive certificate of Proficiency in Insurance
BCOM (Insurance and Risk Management option) - COP Exemption Certificate
Work Experience:
At least 1 year of experience in sales.
Strong knowledge of Insurance Products.
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