Biashara Banking - Quality Manager at Equity Bank Kenya

Job Purpose:

Reporting to the Segment Head -Biashara Banking, Quality Management Role will be based at the Head Office. He/she will be responsible for overseeing the Micro business growth in line with “BIMS” as per the bank strategy and to oversee the growth of a high-quality asset portfolio.  He/ She will ensure 100% compliance to Bank Policies and Procedures and Provide leadership by ensuring total team engagement in the Sector.

Key Responsibilities:

Quality Management of Biashara Banking Portfolio

• Overseeing the Micro business growth in line with “BIMSI” as per the bank strategy
• Maintains the sector Par as per the set targets.
• Ensure 100% compliance to the bank policies and procedures.
• Contributes to the formulation of the Sector’s strategy and ensures full implementation. 

Stakeholder Management

• Build strong relationships with key stakeholders, including risk management, operations, and technology teams, to gather input, align goals, and drive collaboration to ensure good quality asset portfolio.
• Follow up on disposal of assets and ensure facilities under litigation are followed up and closed on in liaison with legal and Debt Recovery Unit.
• Provide regular updates on Biashara banking product quality performance, roadmap, and strategic initiatives to improve the quality to the Head of Sector.
• Credit Reference Bureaus: The quality sector champion will be required to check and confirm the branch recommendations on all customers who are due for listing with CRB’s are listed, and those that to be exempted from listing and if the reasons given warrant the exemption before the necessary sign off is done.

Risk Management and Compliance:

• Collaborate with risk management and compliance teams to ensure Biashara banking sector products comply with regulatory guidelines and internal policies.
• Monitor and mitigate all-related risks, including credit risk, operational risk, and fraud risk, through robust risk assessment and mitigation strategies.
• Stay updated on industry best practices, regulatory changes, and emerging risks in the retail space, proactively implementing necessary adjustments.

Performance Management

• Build and develop a high-performance culture amongst the team members through embedding performance development and coaching.
• Provide leadership and ensure total team engagement.
• Measure and evaluate staff performance against key performance indicators.

Customer service

• Ensure high standard of customer service, create and maintain lasting business relationships and partnerships with both new and existing clients.
• Enforcing service delivery within the stipulated SLAs.
• A brand ambassador of equity bank in the market.

Mentorship and Coaching

• Ensure continuous training, mentorship, and capacity building for all team members.
• Talent identification and alignment to available opportunities
• Identifying staff gaps, new staff acquisition, training, and deployment to branches

Other roles include.

• Liaison with various Sector internal and external Stakeholders in the Bank. 
• Advise the Segment Head - Biashara Banking.
• Any other duties as may be assigned by the Regional General Manager and Segment head. 

Qualifications

Education and Qualifications

• Bachelor’s Degree from a recognized University.
• 8+ years’ work experience in credit.
• Excellent understanding of micro finance industry practices.  
• Exhibits an exceptional degree of creativity and resourcefulness.  
• Guides and transfers knowledge to his/ her team.   
• Excellent business relationship management skills and business closure techniques. 

Key Skills and Competencies

• IT/ Statistics Background an added advantage.
• Mature Personality.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills
• Strong communication, presentation, and negotiation skills
• Team player
• Self-Driven, an eye for detail and capacity to meet strict deadlines while working under pressure with minimal supervision.
• Strong analytical skills and problem-solving skills
• Individual Leadership skills, Excellent Planning and organizing skills.
• Good knowledge of Microsoft office suite
• Flexibility and an ability to change focus areas when needed.

Performance Management and Review

• The holder of the role will on a weekly basis hold discussions with the General Manager and share progress report on the Sector’s performance.
• Overall review of the targets vis-a-vis the actuals on monthly Sector’s quality.