Roles at Equity Bank Kenya

ROLE PURPOSE

• The job holder is responsible for executing the ALM strategy in ensuring an efficient and well-coordinated approach to managing liquidity risk and interest rate risk in the balance sheet.
• Contribute to the optimization of the balance sheet by ensuring adherence to internal policies, regulatory requirements and international best practices.
• Provide support to the Country Treasurer in managing the overall balance sheet structure for the Group, execution, investment management portfolio (AFS and HTM), Liquidity and Funding, Interest rate risk by driving capital efficient returns and outcomes.

KEY responsibilities 

Treasury Strategy:

• Liquidity Management: Oversee and enhance the treasury liquidity processes and activities to monitor and manage the bank’s liquidity positions including Cash Reserve Requirement (CRR) and gap analysis, ensuring that the bank maintains desired liquidity levels and no regulatory breaches.
• Interest rate risk management: Collaborate with the Country Asset and Liability Committee (ALCO) to ensure adherence to regulatory compliance requirements and mitigate potential impacts from interest rate and liquidity risks, particularly concerning IRRBB (Interest Rate Risk in the Banking Book) exposures.
• Proactive Risk Management: Anticipate market and regulatory challenges, implementing proactive strategies to manage and mitigate risks effectively. This includes developing and executing contingency plans for unforeseen events to ensure full compliance.
• Policy Development & Implementation: Partner with the CFO and Country Treasury to ensure effective execution of ALM policies, Guidelines and Product manuals.
• Balance Sheet Management: Focus on balance sheet analytics, comprehensive forecasting, and accurate financial modelling to inform strategic decision-making and ensure efficient and effective balance sheet management.
• Formulating strategies to manage banks’ Liquidity and Funding position optimally: Ensure appropriate funding profiles are achieved (diversification of funding base and lengthening of the funding profile).

 Risk Management:

• Risk Appetite & Limit Management: Monitor and escalate liquidity and IRRBB risks, ensuring strict adherence to approved limits and escalating breaches as necessary. Develop and implement remedial actions within the prescribed governance framework to maintain balance sheet stability.
• Risk Appetite Evaluation: Conduct in-depth evaluations of risk appetite versus risk exposure, ensuring alignment with organizational risk tolerance levels.
• Ensure adherence to ERMF: Ensure that adequate systems and process are in place to comply with Group and country treasury policies, guidelines, product notes among others.
• Ensure compliance with Group AML Policy and Procedures: Report any suspicious activities regarding money laundering and terrorist financing and ensure not tipping off is made to the customer.
• Governance: Provide for leadership and oversight over prudent risk management practices across subsidiaries.

Processes:

• Conduct research and collaborate with subject matter experts to evaluate market dynamics and the evolving regulatory environment. Ensure alignment with international ALM best practices.
• To provide expert guidance to ALCO and other key stakeholders, leveraging best practices to ensure the successful execution of ALM strategies in line with Group Treasury Strategy.
• Ensure the integrity and reliability of data related to liquidity, FTP (Funds Transfer Pricing), capital, and IRRBB.
• Ensure maximum return on excess liquidity and minimize the Bank’s cost of deposits and cost of funding.
• Ensure maximum return on the investment securities while minimizing exposure to risks of interest rates volatility.
• Ensure effective implementation of the Group FTP Framework to drive the right balance sheet behavior and ensure that any exceptions are well-documented and approval provided before adoption.
• Collaborate with Market Risk unit, Finance, and Credit to ensure that the ICAAP and ILAAP frameworks are fit for purpose and within regulatory guidance.
• Performing margin compression analysis and structural analysis.
• Monitoring and reporting on adherence to all regulatory and internal funding requirements and limits are within risk appetite.
• Ensure achievement of ALM budgets, and efficient management of financial resources to boost capital accretive returns.
• Manage all treasury related risks efficiently by providing oversight in Central Bank auction participation, sourcing and allocation of foreign currency, FX risk management, deal booking in accordance with treasury Code of Conduct and other governance policies.

Governance

• Ensure compliance with all Group and treasury governance policies.
• Promote an environment where compliance with internal controls and external regulatory framework is honored and central focus area of the business across multiple markets.
• Engage with auditors when required to provide the required support.
• Display exemplary conduct values by living the Group’s values and Code of Conduct.
• Take personal responsibility by promoting the highest standard of ethics, including regulatory and business conduct across our footprint.
• Identify, escalate and resolve any risk, conduct and compliance matters working closely with the Treasury Risk & control Manager

Talent Management

• Build a strong talent pipeline transparently, in line with diversity & inclusion KPIs and other KPIs in general with specific performance metrics on the Group values, Code of Conduct.
• Lead, mentor, and develop sales teams across traditional and digital channels.
• Build a high‑performance culture focused on accountability, innovation, and client‑centricity.
• Drive succession planning and talent development across the region.
• Promote diversity, equity, and inclusion in talent pipelines

CORE ACCOUNTABILITIES AND DELIVERABLES  

• Liquidity & Funding Management: Ensure optimal liquidity positions and funding profiles across all subsidiaries, avoiding regulatory breaches and maintaining compliance with ALM policies. Must be experienced in Basel III banking requirements.
• Risk Management: Monitor IRRBB, liquidity, and market risks, ensuring adherence to risk appetite and limit frameworks. Escalate breaches and implement corrective actions promptly.
• Regulatory Compliance: Ensure compliance with Country Treasury policies, AML standards, and external regulatory requirements across multiple jurisdictions.
•  Performance Reporting: Deliver accurate and timely reports on liquidity, funding, interest rate risk, and treasury KPIs to ALCO and senior management.
• Strategy Execution: Drive implementation of treasury strategies, including FTP framework and annual funding plans.
• Governance & Audit: Maintain strong governance standards, support internal/external audits, and ensure closure of audit and risk issues.
• Talent Development: Build and mentor a high-performing treasury team aligned with Group values and diversity objectives.

Qualifications

KEY TECHNICAL SKILLS 

Behavioral Framework:

• Strong understanding of Treasury policies, procedures, governance, and ethical standards.
• Clear and effective communication.
• Strong stakeholder engagement and collaboration across internal and external partners.
• Cultural and regulatory awareness.
• Sound and timely decision‑making.
• Strategic thinking and ability to provide clear direction.
• Ethical, credible, and effective leadership.
• Courage to challenge and strong teamwork orientation.
• Customer‑focused mindset.
• Action‑oriented with strong execution discipline.

Technical Competencies

• Strong knowledge of financial markets, economic fundamentals, and financial instruments.
• Understanding of treasury, retail, corporate, and capital market products.
• Expertise in liquidity management and interest rate risk management, including structural and behavioral balance sheet analysis.
• Strong negotiation, influencing, presentation, and pitching skills.
• Knowledge of Recovery and Resolution Planning (RRP).
• Financial analysis and performance management capability.
• Strong business acumen and project management skills.
• Ability to manage ambiguity and complexity.
• Ability to drive vision, provide direction, and develop talent.
• High‑quality judgement and decision‑making capability.

EXPERIENCE 

• 10+ years’ experience in Treasury or Finance, with minimum 5 years in a senior leadership role.
• Deep expertise in liquidity management, funding, cash pooling, balance sheet optimization, funding structures, hedging strategies, and financial markets/products.
• Must be experienced in Basel III regulatory requirements.
• Strong understanding of African financial markets, regulatory environments, and cross‑border Treasury operations.
• Proven experience with Treasury Management Systems (TMS) and related technologies.
• Advanced analytical, financial modelling and presentation skills (Excel, PowerPoint).
• Exceptional leadership, communication, and stakeholder management capability.
• Demonstrated ability to be innovative, results‑oriented, and deliver high‑quality outputs under pressure and tight timelines.

ACADEMIC QUALIFICATIONS AND CERTIFICATIONS  

• Post‑graduate degree in Business, Finance, Economics, Statistics, or a related field.
• Master’s degree is beneficial but not mandatory.
• Professional certification such as CFA, FRM, or CA is strongly preferred.
• ACI Dealing Certificate is a mandatory requirement.

go to method of application »

The Role Purpose

• To drive the end-to-end sale and servicing of Life, General, and Medical insurance products within assigned branches, while providing technical support and guidance to branch teams to enhance insurance penetration and revenue growth.

The Key Responsibilities

Business Development & Sales

• Generate and pursue referrals and leads from branch teams and other channels.
• Secure appointments and conduct customer needs assessments.
• Prepare and present tailored insurance solutions to prospective clients.
• Close sales and ensure timely premium collection.
• Achieve assigned sales targets in line with departmental objectives.

Onboarding & Compliance

• Collect and verify all required KYC documentation.
• Facilitate accurate onboarding and policy issuance in line with regulatory and internal requirements.

Customer Service & Retention

• Provide post-sale service and relationship management.
• Manage policy renewals to ensure business retention and growth.
• Follow up and support claims processing to ensure timely settlement.

Risk & Advisory Support

• Advise branch credit teams on appropriate insurance covers to mitigate lending and operational risks.
• Promote embedded and credit-linked insurance solutions.

Qualifications

Key Technical Skills & Leadership Competencies

• Certificate of Proficiency (COP) or Executive Certificate of Proficiency (ECOP) - Mandatory
• Strong analytical and numerical skills
• Sales and negotiation skills
• Customer Relations management
• Product knowledge (Life, General & Medical Insurance)
• Strong communication and presentation skills
• Integrity and adherence to regulatory standards

Experience Requirements  

• Minimum of two (2) years’ experience in insurance sales (agency, brokerage, or bancassurance environment).
• Proven track record in meeting or exceeding sales targets.
• Proficiency in written and spoken English and Kiswahili.

Academic Qualifications and Certifications 

• AIIK Diploma in Insurance (or progress towards completion).
• Bachelor’s Degree in a Business-related field (e.g., BCom - Insurance/Actuarial, BBM, or equivalent).

go to method of application »

Role Purpose

• Shape and execute the Enterprise applications/product vision and strategy to accelerate Equity Group’s digital transformation agenda in alignment with the Africa Recovery and Resilience Plan (ARRP).
• Lead the end-to-end lifecycle of innovative, scalable, and inclusive products.
• Empower customers, enhance operational efficiency, and drive sustainable growth across Equity Group’s markets.

Key Responsibilities

Product Strategy and Management:

• Define and execute the product roadmap for innovative solutions across the Group.
• Manage product backlog, sprint planning, and release cycles in an Agile environment.
• Develop clear product requirements and user stories that communicate customer needs and business value.
• Prioritize features and initiatives based on customer impact, business goals, and technical constraints.
• Track and analyze product metrics to measure success and drive data-informed decisions.
• Represent the voice of the customer throughout the product development process.
• Establish governance to ensure adherence to compliance, security, and risk management policies.
• Lead change management efforts including defining training programs and product documentation.
• Implement continuous feedback loops to refine and enhance product performance.
• Collaborate with risk and compliance teams to meet regulatory requirements and implement best practices in data security, governance, and process automation.
• Ensure cost optimization while maintaining high product reliability.
• Present product strategies and progress to executive leadership and stakeholders.
• Stay current with industry trends, competitive landscape, and emerging technologies.

Collaboration with Stakeholders:

• Work closely with business stakeholders to understand their needs and develop aligned solutions.
• Communicate product vision and updates to internal teams, ensuring alignment with project goals and timelines.
• Coordinate with development and IT teams for product configurations and feature enhancements.

Documentation and Reporting:

• Document product specifications, user stories, and features for clarity across teams.
• Prepare reports on project progress, product performance, and user feedback for stakeholders and management.

Continuous Improvement:

• Identify areas for product improvements based on user feedback and data analysis.
• Evaluate and implement new features and enhancements to improve user experience and operational efficiency.

Other Responsibilities:

• Lead execution of the product strategy by defining and prioritizing features and requirements.
• Conduct market research and gather customer feedback to identify opportunities for improvement.
• Collaborate with cross-functional teams, including design, development, and business teams.
• Participate throughout the entire product development lifecycle: discovery, ideation, documentation, validation, and launch.
• Create product documentation including user stories, requirements, and specifications.
• Engage with external partners and vendors, overseeing integration and collaboration efforts.

Core Accountabilities and Deliverables

• Define and maintain a clear product vision and roadmap for internal enterprise applications.
• Act as the primary liaison between business units, IT, and development teams.
• Document user stories, functional specifications, and acceptance criteria.
• Stakeholder alignment reports and feedback logs.
• Conduct regular stakeholder engagement sessions and satisfaction surveys.
• Lead end-to-end delivery of internal application features and enhancements.

Key Decisions Made by the Position-Holder

• Product Feature Prioritization: Decide which features, enhancements, or fixes are prioritized in the backlog.
• Roadmap Definition and Adjustments: Define and update the product roadmap for internal applications.
• Release Scope and Timing: Finalize the scope of each release and approve go/no-go decisions for deployment.

Complexity Expected in the Role

• Ensure internal applications are scalable, localized, and compliant with country-specific requirements (e.g., tax, HR policies, procurement rules).
• Ensure compliance with data protection laws (e.g., GDPR equivalents), internal policies, and cybersecurity standards.

Critical Relationships/Stakeholders/Contacts

• Internal: Business Unit Heads (HR, Finance, Procurement, Risk, Compliance, Operations), IT & Infrastructure Teams, Project Management Office (PMO)
• External: Technology Vendors / SaaS Providers, Implementation Partners / Consultants

Qualifications

Key Technical and Leadership Competencies

• Proficiency in managing the full product lifecycle: discovery, design, development, testing, deployment, and iteration.
• Ability to analyze and redesign internal workflows for efficiency, scalability, and compliance.
• Hands-on experience with Agile frameworks, backlog grooming, sprint planning, and iterative delivery.
• Ability to collaborate with designers and developers to ensure intuitive, user-friendly internal tools.
• Understanding of how internal applications integrate with other systems via APIs or middleware.
• Experience in leading cross-functional teams, mentoring junior staff, and fostering a culture of innovation and accountability.

Experience Requirements

• 6+ years of experience in Product Management; 8+ years overall industry experience.
• Experience leading cross-functional teams through the full product lifecycle.
• Strong analytical skills to translate data into actionable insights.
• Excellent communication and presentation skills.
• Experience in banking, financial services, or enterprise-grade IT environments.
• Hands-on experience with Agile (Scrum, SAFe) methodologies.

Academic Qualifications and Certifications

• Bachelor’s/Master’s degree in Business, Computer Science, Engineering, or related field (or equivalent experience).
• Certifications in Product Management, Change Management, Agile methodologies (Scrum/SAFe) is a plus.