Career Opportunities at Equity Bank Kenya

 Job Purpose:

Reporting to the Relationship Manager Business, the Relationship Supervisor- Pamoja Banking has the responsibility to manage and coordinate all the groups under him/her to ensure the bank’s goals and objectives are achieved.

Job Responsibilities:

Stakeholder Engagement and Outreach:

• Hold consultative meetings with stakeholders (e.g., Chiefs, market opinion leaders) to arrange meetings with potential clients (groups).
• Prepare keynote messages for forums to promote the Pamoja banking value proposition.
• Manage inquiries on Pamoja banking at the branch and in the marketplace.

Group Onboarding and Training:

• Identify and select qualifying groups from the market. 
• Support groups in registering with relevant government offices and obtaining KYC documents for account opening.
• Set up group structures, maintain records, and train group officials. o Conduct pre-registration and post-registration training for groups.
• Deliver training to group members at their convenience.

Deposit Mobilization and Documentation:

• Enforce weekly savings contributions and ensure proper documentation at the group level (e.g., treasurer’s ledger, group minutes, passbooks).
• Mobilize deposits through weekly savings collections.

Loan Processing and Compliance:

• Conduct business and home visits to verify borrowers' ability to pay, collect financial information, and confirm securities pledged.
• Compile credit proposals for discussion at the Branch Credit Committee (BCC) and present group client requests for approval
• Onboard groups and group members in the IGLS system and generate relevant reports. 
• Initiate group loan requests and manage end-of-day postings in the IGLS system.
• Perform data cleanup of exited and dormant customers from the IGLS system.
• Ensure compliance with credit policies and train branch staff on any amendments in the Pamoja banking product offering.

Portfolio and Relationship Management: 

• Manage and maintain the quality of the loan book through post-disbursement visits, weekly collection of savings and loan payments, and enforcing co-guarantee mechanisms in groups.
• Establish working group structures and enforce the five pillars of stable groups.
• Ensure timely loan approval and disbursement within SLAs. 

Customer Recruitment and Segment Growth:

• Recruit new-to-bank customers and actualize segment partnership objectives to align with sector growth objectives.

Qualifications

Qualifications and Experience: 

• University degree in a Business-Related Course, Education, Social Sciences or Diploma in business related course.
• Overall C+ in KCSE and C+ in mathematics 
• 4-5 Years’ experience
• Sales experience is an added advantage.
• Experience in micro finance industry is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Computer literacy with high command in Microsoft suite.

Key Skills and Competencies:

• 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

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Job Purpose:

Reporting to the Relationship Manager Business, the Relationship Supervisor - Biashara Banking has the responsibility to manage and coordinate all the Micro businesses under him/her to ensure the bank goals and objectives are achieved. 

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
• 4-5 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.

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Job Purpose:

The purpose of the role is to build and sustain a rapport with Churches and Religious Institutions. The key responsibility is customer acquisition, retention, and income generation from the sales of the bank's products

Key Responsibilities:

• Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly updated.
• Ensure growth of the existing deposit book as per the set organizational targets through growth of current accounts/collection business as well as wholesale deposits from the focus institutions.
• Onboarding new clients, Identify and address customer needs, ensuring that the overall service provided is in line with customer expectations.
• Achieving Income generation target through the existing customers and recruitment into digital financial services.
• Keeping abreast of developments in the Churches and Religious Institutions environment both locally and internationally.
• Deposit mobilization with a focus on Churches and Religious Institutions
• Advisory to customers and guidance through the delivery of excellent customer service to resolve customer queries and achieve customer satisfaction.
• Prepare Customer sales coverage plans to ensure each relationship is managed according to the Bank’s customer service charter with regular reviews of the customer portfolio to assess future needs and ongoing fee/income potential.
• Identifying and developing new business proposals efficiently and expeditiously to ensure that potential new business opportunities are maintained.
• Manage existing relationships to deepen the relationship for Business Banking solutions.
• Initiating and monitoring customer/Bank contact at all levels, ensuring that customers enjoy the highest standards of service.
• Adherence to all bank’s prescribed processes, standard operating procedures, and Central Bank prudential requirements.
• Role Models the Brand and Corporate Values of the Bank both internally and externally
• Any other official duties that may be allocated from time to time by management.
• Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly updated.
• Ensure growth of the existing deposit book as per the set organizational targets through growth of current accounts/collection business as well as wholesale deposits from the focus institutions.
• Onboarding new clients, Identify and address customer needs, ensuring that the overall service provided is in line with customer expectations.
• Achieving Income generation target through the existing customers and recruitment into digital financial services.
• Keeping abreast of developments in the Churches and Religious Institutions environment both locally and internationally.
• Deposit mobilization with a focus on Churches and Religious Institutions
• Advisory to customers and guidance through the delivery of excellent customer service to resolve customer queries and achieve customer satisfaction.
• Prepare Customer sales coverage plans to ensure each relationship is managed according to the Bank’s customer service charter with regular reviews of the customer portfolio to assess future needs and ongoing fee/income potential.
• Identifying and developing new business proposals efficiently and expeditiously to ensure that potential new business opportunities are maintained.
• Manage existing relationships to deepen the relationship for Business Banking solutions.
• Initiating and monitoring customer/Bank contact at all levels, ensuring that customers enjoy the highest standards of service.
• Adherence to all bank’s prescribed processes, standard operating procedures, and Central Bank prudential requirements.
• Role Models the Brand and Corporate Values of the Bank both internally and externally
• Any other official duties that may be allocated from time to time by management.

Qualifications
QUALIFICATIONS AND EXPERIENCE

• Bachelor’s degree in commerce/business related field/Theology
• Strong presentation skill set.
• Good analytical skills.
• Highly effective communication and collaboration skills.
• High level of cooperation with others and is responsive to the banks and team’s needs.
• AMC/CFT training/knowledge.
• Have Served as a Bishop/Pastor/Priest/Catechist/Reverend within the last 5 years

Key Competencies and Attributes

Interpersonal:

• A clear understanding of the Churches and Religious Institutions operating environment.
• Demonstrated networks within the focus group – Churches and Religious Institutions
• Demonstrate the capability to build and maintain strong relationships.
• Good negotiation skills.
• Good listening skills.
• Pleasant and able to relate well in diverse social set ups and teams.
• Upholds high standard of Professionalism, integrity and respect for others.

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Our purpose is transforming lives, giving dignity, and expanding opportunities for wealth creation.

The Country Head of Internal Control and Compliance is responsible for embedding a risk culture across the organization by implementing and overseeing the Enterprise Risk Management Framework. This role is crucial in maintaining the integrity of subsidiary operations and safeguarding assets through effective internal controls while ensuring alignment with the overarching organizational control framework.

Key Responsibilities: 

• Inculcate a risk culture across the organization, by embedding the Enterprise Risk Management Framework within the first line.
• Implement internal control policies and develop procedures to ensure compliance with regulations and company standards.
• Oversee the risk assessment processes to identify and mitigate potential risks to the organization.
• Conduct self-assessments and review financial and operational processes to ensure adherence to policies and regulations.
• Provide guidance and training to employees on Internal Controls and Compliance issues and best practices.
• Collaborate with other departments to ensure consistent application of Internal Control and Compliance standards across the organization.
• Monitor and evaluate the effectiveness of internal controls and compliance programs.
• Report to senior management and/or the Board of directors on business compliance matters and recommendations for improvement.
• Keep abreast of changes in laws and regulations that may impact the organization’s operations and compliance requirements.
• Lead investigations into allegations of misconduct or non-compliance and implementing corrective actions as necessary.
• Serve as a liaison with Internal Auditors and regulatory agencies as needed.
• Manage Compliance, Financial Crime and Conduct risks in the first line.
• Led and manage the implementation of the Enterprise Risk Management Framework within the first line.

Qualifications

Qualifications and Experience

Education Qualifications

• Bachelor’s degree in accounting, Finance, Law, Business Administration, or a related field.
• Advanced degree (e.g., MBA, master’s in risk management) or professional certifications such as Certified Internal Auditor (CIA), Certified Compliance & Ethics Professional (CCEP), Certified Fraud Examiner (CFE),or Certified Risk Manager (CRM) is a plus.

Knowledge and Experience Required:

• A minimum of 10-15 years of experience in internal control, compliance, risk management, or a relate field within a large organization.
• Proven track record of successfully implementing and managing internal control and compliance frameworks in complex environments, preferably within the financial services.
• In-depth understanding of Enterprise Risk Management (ERM) frameworks, including the ability to design, implement, and oversee risk management processes across various business functions.
• Experience in conducting risk assessments, identifying potential risks, and developing mitigation strategies.
• Comprehensive knowledge of local and international regulatory requirements, industry standards, and best practices related to compliance, internal controls, and financial crime prevention.
• Strong leadership skills with experience managing and developing teams of compliance and internal control professionals.
• Excellent analytical skills with the ability to evaluate complex data, identify trends, and make informed decisions.
• Proactive approach to problem-solving, with a strong focus on identifying root causes and implementing effective solutions.
• Exceptional communication skills, both written and verbal, with the ability to articulate complex compliance and risk management concepts to diverse audiences, including senior management and board members. 
• Proven ability to build and maintain strong relationships with internal and external stakeholders, including regulators and auditors.
• Ability to foster a culture of compliance and ethical behaviour across the organization.
• Strong understanding of financial controls, operational risk, and the ability to evaluate and enhance the control environment in a large, complex organization.
• Experience in managing budgets, resources, and ensuring the efficient use of compliance and internal control resources.