Careers at Equity Bank Kenya

Job Purpose:

The job holder will be vital in analyzing disputed transactions (Chargebacks for both Issuing and Acquiring) and making decisions based on the Card Schemes (Visa, MasterCard, UPI and Kenswitch) rules and regulations and as per Schemes time frames.

Key Responsibilities 

Processing Visa, UPI and MasterCard Disputes (Issuing and Acquiring)

• Receiving incoming Chargeback reports on the Schemes and ascertaining their Correctness.
• Actioning received Queries and Complaints on CRM
• Analyzing received Chargebacks and Complaints/Queries and make decisions that will transfer the debit/Credit to the Issuer/Acquirer, Merchant or P & L
• Diarizing & follow up of outstanding chargebacks for action. 
• Raise Pre-Arbitration, arbitration cases and good faith.
• Monitor and respond to incoming Pre-arbitration, arbitrations and good faith requests.

Visa, MasterCard, UPI and Kenswitch Online

• Log into Visa, MasterCard, UPI and Kenswitch systems and action disputes as per Schemes time frames.
•  Attach and upload documents as per Schemes guidelines, regulations and timeframes. 

Risk and Control

• Develop a deep understanding of the process and risk within the Equity card business.
• Develop a deep understanding of Visa, MasterCard, UPI and Kenswitch procedures.
• Ensure regular reading and upskilling of current Scheme manuals (Visa, MasterCard, UPI and Kenswitch)
• Ensure deep understanding of Scheme Reports and application (Visa, MasterCard, UPI and Kenswitch)
• Strict Adherence to Scheme rules, regulations and timeframes in dispute processing.

Qualifications And Experience

• Bachelor’s degree in business related field.
• Professional Certification in Card is an added advantage.
• Over 4 years’ experience in a Chargeback environment.

Key Competencies & Skills

• Knowledge of rules and laws governing visa, Mastercard,Amex and China Union Pay transactions
• Working Knowledge and experience in an investigative/reconciliatory operation processing environment.
• Understanding of Governance Risk Control Framework.
• =Knowledge of Bank products.

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Job Purpose

The Youth Banking Manager provides end-to-end strategic leadership for the Bank’s Youth Segment, with accountability for the design, execution and scaling of the youth banking strategy across the enterprise. The role is responsible for driving accelerated customer acquisition, sustainable deposit growth, digital-first adoption, product penetration and targeted cross-sell—including cards, digital solutions and bancassurance—while strengthening brand relevance and engagement among customers aged 18–35, encompassing students, young professionals and young entrepreneurs.

Key Responsibilities

Youth Segment Strategy & Growth

• Develop and implement the youth banking strategy.
• Define segment value propositions for students, youth professionals, and youth entrepreneurs.
• Drive youth acquisition, retention, and activation.

Product Development & Enhancement

• Lead design or improvement of youth-focused products (youth savings, student accounts, youth loans, prepaid cards, digital wallets).
• Collaborate with product teams to ensure products match youth needs (simple, digital, affordable).

Business Development & Partnerships

• Build partnerships with universities, colleges, TVETs, tech hubs, youth groups, and gig platforms.
• Develop joint campaigns and financial literacy programs.

 Sales Support & Commercial Performance

• Drive sales and performance dashboards for the youth segment.
• Track acquisition, usage, deposits, digital adoption, and product penetration.
• Support branches and RMs with youth recruitment drives.

Digital & Innovation Leadership

• Partner with Digital Banking to build smooth digital journeys.
• Promote strong digital adoption and usage among youth customers.

Marketing, Brand & Campaign Management

• Lead youth campaigns (school recruitment, internship seasons, holidays).
• Use influencers and social platforms to engage the youth.

Financial Literacy & Youth Empowerment

• Develop and deliver financial literacy programs in learning institutions.
• Launch youth empowerment events focusing on careers and entrepreneurship.

Cross-Sell & Lifetime Value Growth

• Drive cross-sell (digital loans, cards, insurance bundles, savings & investment products).
• Build structured journeys transitioning youth to mainstream banking as they mature.

Risk & Compliance

• Ensure proper KYC, anti-fraud standards, and regulatory compliance for youth onboarding and campaigns.

Qualifications

Key Technical Skills & Leadership Competencies: -

• Retail banking product knowledge
• Digital banking experience
• Segment management & customer analytics
• Product development understanding
• Campaign execution
• Customer-centric & design-thinking mindset

Experience Requirements: -

• 4 –7 years in retail banking, youth marketing, or segment management.
• Experience in digital financial services or youth-oriented programs preferred.

Academic Qualifications & Certifications

• Bachelor’s degree in marketing, Business, Finance, or related field.
• Master’s degree (MBA) is an added advantage.

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Job Purpose

The Head of Non-Bank Financial Institutions (NBFIs) & Financial Institutions (FIs) is responsible for providing overarching strategic, commercial and relationship leadership for the Bank’s Non-Bank Financial Institutions portfolio. This includes insurance companies, pension funds, SACCOs, microfinance institutions, development finance institutions, capital market participants, fintechs, fund managers, payment service providers and other regulated and unregulated financial entities.

The role holder is accountable for driving balance sheet growth, optimizing risk-adjusted returns, scaling transaction volumes, advancing sustainable finance initiatives and expanding the broader financial ecosystem while enforcing rigorous governance and compliance standards, deepening strategic partnerships and maximizing cross-sell and value creation across the Bank.

Key Responsibilities

Strategy & Leadership 

• Develop and execute the NBFI & FI sector strategy, aligned to the bank’s corporate and institutional banking objectives. 
• Segment the market and design tailored value propositions for insurance firms, SACCOs, pension schemes, MFIs, fintech’s, payment providers, and DFIs. 
• Deliver financial targets including loan growth, deposit mobilization, FX income, trade finance, and fee revenue. 
• Lead the cross-functional coordination with risk, treasury, trade finance, digital banking, ESG, credit, and operations. 

Business Development & Relationship Management 

• Build and deepen strategic relationships with CEOs, CFOs, Boards, and senior leadership of NBFIs and FIs. 
• Drive the origination and structuring of lending transactions, including term loans, structured finance, guarantees, trade facilities, and syndications. 
• Grow deposit and liquidity management solutions, including escrow accounts, custodial services, cash management, and trust accounts. 
• Cross-sell the bank’s full suite: payments, collections, treasury, cards, digital channels, insurance, and sustainable finance solutions. 

Portfolio & Risk Management 

• Manage the overall credit portfolio quality for NBFIs & FIs, including oversight of pipeline, reviews, early warning indicators, and watchlist management. 
• Lead structuring risk-mitigated solutions such as secured lending, cash-flow backed facilities, insurance-guaranteed products, and risk-sharing mechanisms. 
• Ensure compliance with CBK regulations, AML/KYC guidelines, Basel standards, and internal governance frameworks. 
• Maintain updated sectoral insights and risk maps to guide decision-making. 

Product Development & Innovation 

• Develop and refine specialized products for financial institutions, including: 
  • Insurance premium finance 
  • Custodial & trust services 
  • SACCO agency banking and digital collections 
  • Fintech/payments integration 
  • Treasury & liquidity solutions 
  • ESG/sustainable finance products
• Work with digital and product teams to co-create solutions that deepen customer penetration and ecosystem connectivity. 

Sustainable Finance, ESG & Partnerships 

• Identify opportunities for green finance, ESG-linked lending, climate resilience projects, blended finance, and guarantee-backed facilities. 
• Leverage partnerships with DFIs, multilaterals, development partners, payment networks, and fintech ecosystems. 
• Position the bank as a leader in sustainable and inclusive finance within the financial sector ecosystem. 

Team Leadership & Capacity Building 

• Lead, coach, motivate and develop a high-performing team of sector relationship managers and analysts. 
• Build capabilities in relationship management, structured credit, sustainable finance, digital payments, and sector insights. 
• Promote a performance-driven, customer-centric culture. 

Qualifications

Key Technical Skills & Leadership Competencies 

• Strong relationship and stakeholder management 
• Expertise in credit analysis and structuring 
• Deep understanding of the financial services ecosystem 
• Strong knowledge of regulatory frameworks (CBK, IRA, SASRA, RBA, CMA, AML/KYC) 
• Commercial acumen and financial modelling skills 
• Negotiation and deal-closing capability 
• Leadership, coaching and people management skills 
• Digital and innovative mindset
• Understanding of ESG and sustainable finance frameworks 

Experience Requirements:-

• Minimum 10–12 years in banking or financial services. 
• At least 5 years in senior relationship management, corporate banking or institutional banking. 
• Proven experience managing financial institutions (insurance, SACCOs, MFIs, pension funds, DFIs, fintechs).
• Strong experience in credit structuring, trade finance, treasury, and sustainable finance. 

Academic Qualifications & Certifications

• Bachelor’s degree in finance, Economics, Business, or related field. 
• Master’s degree is an added advantage.
• CFA, ACCA, CPA, FRM, ACIB, or equivalent.
• ESG/Sustainable Finance certification is an added advantage.

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Description
 
Regulatory Framework & Obligations Management

Develop and maintain the Group Supply Chain Compliance Framework covering:

• Global standards: ISO 28000 (Security), GDPR (Privacy), SOX (Controls)
• Local regulations: Kenya's Public Procurement Act, Tanzania's Customs Laws.
• Professional standards: By PCT (e.g., CIPS for Procurement, IOSH for HSE)

Manage the Obligations Register through:

• Quarterly applicability assessments for all regulatory tiers:
  • Primary: Central banks (e.g., CBK,  Bank of Tanzania for EBTZ)
  • Secondary: PCT regulators (e.g., Uganda Revenue Authority for Logistics)
  • Tertiary: ISO standards and Group policies
• Gap identification and escalation to Governance Frameworks Manager
• Risk-based prioritization (e.g., conflict minerals > admin policies)

Compliance Monitoring & Risk Control

• Monitor regulatory changes by PCT:
  • Procurement: Anti-bribery laws, supplier due diligence
  • Logistics: Customs compliance (e.g., EBTZ cross-border)
  • Vendor Management: Data privacy (e.g., EBKL cloud vendors)
• Conduct risk assessment
  • Flag potential risks to Group Supply Chain Risk Manager for review (without conducting assessments)
  • Include: Regulatory breaches, emerging threats, control failures
• Advisory & Stakeholder Management
  • Provide geo-political risk advice (e.g., sanctions impacting EBSS)
  • Partner with Internal Audit on control validation
• Training & Culture
  • Deliver PCT-specific training (e.g., "Customs Compliance for EBKL Logistics")
  • Maintain certification timelines (ISO, GDPR recertification)

Qualifications

 Experience Must-Haves:

Must-have:

• 7+ years in regulatory compliance
• 3+ years in supply chain-focused compliance (procurement/logistics/vendor management)

Ideal:

• 2+ years in multi-subsidiary environments

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Job Purpose:

The Audit Manager is responsible for managing internal audit assignments in accordance with the approved annual audit plan. The Audit Manager will be responsible for the identification and reporting on all significant control weaknesses, through the application of a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, internal controls and governance processes within the Bank.

Key Responsibilities:-

• Assist in the development and implementation of a risk-based annual internal audit plan aligned with the Bank 's strategic objectives and risk profile.
• Identifying skills and competencies required to deliver the annual plan and being responsive to the rapidly changing risk profile of the Bank.
• Taking ownership, responsibility for his/her portfolio and engaging with the business actively before, during and after the audit.
• Allocate the assignments under the internal audit plan to respective audit teams in liaison with the General Manager.
• Oversee audit planning, field work, and audit reporting; prepare reports and communicate findings and recommendations to Senior Management.
• Review draft reports, provide feedback on the quality of the reports, draft findings and additional areas to be analyzed.
• On a monthly basis, prepare briefs on audit status in terms of coverage and emerging issues to the General Manager.
• Regularly meet with departmental heads to present audit findings and agree on corrective actions and timelines for implementation.
• Conduct follow-up audits to monitor management’s interventions.
• Assist the General Manager to prepare Board Papers as required.
• Undertaking performance evaluation, training and development of internal audit staff and ensuring quality standards are upheld. The Manager will ensure that staff are appraised (at least quarterly) and the results discussed with the General Manager.
• Induction of new staff into the department.
• Provide administrative support to audit staff as required.
• Perform administrative roles assigned by the GM from time to time.
• Leverage technology throughout all audit and administrative processes with a goal to maximize efficiency and improve audit effectiveness.
• Ensure Audit staff engage in continuous knowledge development regarding banking sector’s rules, regulations, best practices, tools, techniques and performance standards.

Qualifications 

Qualifications and Experience

Education Qualifications:

• Bachelor’s degree in accounting or finance or business administration.
• Masters will be an added advantage
• CPA (K) or its equivalent.
• Proficiency with CAATs like Alteryx, TeamMate, PowerBI.
• Proficiency in use of MS Office applications.

Knowledge and Experience Required:

• At least 8 years internal or external audit experience gained from reputable institutions.
• Demonstrated in-depth understanding of the internal audit process, internal controls and risk assessment.
• Great customer focus skills and attention to details.
• Excellent interpersonal, communication and report writing skills.
• Ability to work with diverse teams and to adapt to fast changing environment.
• Demonstrate ability to prepare timely, constructive and actionable audit and risk assessment reports.
• Results oriented and ability to meet strict deadlines.
• High level of independence and integrity.
• Good analytical and problem solving skills.