Relationship Officer -Biashara Banking at Equity Bank Kenya

Key Responsibilities:

Onboarding and Customer Management:

• Onboard retailers and customers across various Ecosystem value chains and digital platforms (PWE, EAZZY APP, etc.).
• Identify prospective leads and recruit new customers.
• Conduct outreach and manage relationships for customer retention.
• Utilize existing partnerships to expand the customer base.

Loan Processing and Compliance:

• Guide customers through the loan application process, including business and home visits to verify financial information and securities.
• Ensure timely loan approval and disbursement within SLAs.
• Present client requests for approval and manage security perfection and disbursement.
• Initiate recovery processes for overdue accounts.

Marketing and Sales:

• Conduct marketing outreach to onboard new customers.
• Cross-sell and upsell bank products.
• Recruit ecosystems by leveraging established relationships.

Training and Policy Adherence:

• Train branch staff on Biashara Banking lending policies, procedures, and new products.
• Ensure compliance with credit policies and act as the custodian of bank policy in the branch.

Customer Service and Support:

• Provide high-standard customer service, fast-track loan processes, and give prompt feedback on loan requests.
• Liaise with internal and external stakeholders in the branch environment.
• Mobilize clients for financial literacy training and guide them on maintaining proper records.

Portfolio and Relationship Management:

• Maintain an up-to-date portfolio management toolkit for efficient customer follow-up.
• Conduct post-disbursement visits and baseline all customers.

Deposit Mobilization and Documentation:

• Mobilize deposits

Qualifications

• University degree holder with preference in Education, Social sciences, or Business-related field.
• Overall mean grade of C+ in KCSE
• 3-4 Years’ experience
• Experience in micro finance industry is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Sales experience is an added advantage.
• Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
• Excellent business relationship management skills and business closure techniques.
• Ability to develop, plan, execute and implement according to laid business strategies.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills.
• Strong communication, presentation, and negotiation skills.
• Strong analytical and problem-solving skills.