Job Openings at Equity Bank Kenya

• This role ensures that risk exposures are effectively identified, measured, monitored, and mitigated to enable sustainable growth, enhance resilience in diverse African markets, and support the ARRP’s goals of capacitating value chains, expanding trade, and driving economic transformation in East and Central Africa.

THE KEY RESPONSIBILITIES 

• Market Risk Management
• Maintain the Group Market Risk Management Framework and policies covering banking book and trading book exposures for the Bank and market/asset liability exposures for the Insurance Group.
• Ensure alignment with:
• Basel III/IV market risk standards (Bank)
• IFRS 17 investment risk requirements (Insurance)
• Central bank and insurance regulatory guidelines
• Develop and oversee methodologies for:
• Value at Risk (VaR), Expected Shortfall (ES)
• Sensitivity analysis (PV01, DV01, FX & IR sensitivities)
• Interest rate risk in the banking book (IRRBB): EVE and NII sensitivity
• Equity and property investment risk (Insurance)
• Duration, convexity, and ALM mismatches
• Monitor compliance with market risk appetite and limits:
• FX position limits
• Interest rate risk limits
• Trading book VaR/ES limits
• Investment portfolio limits for Insurance entities
• Identify emerging market and liquidity risks: FX volatility, interest rate shocks, credit spread widening, equity downturns.
• Produce monthly and quarterly market risk reports for Group ALCO, Insurance investments committees and Board Risk Committee
• Liquidity Risk Management
• Maintain the Group Liquidity Risk Framework and policies, ensuring banking and insurance requirements are clearly differentiated.
• Ensure alignment with:
• LCR, NSFR, ILAAP expectations (Bank)
• Liquidity coverage, stress scenarios, and cashflow matching per insurance regulations (Insurance)
• Support Group wide liquidity stress testing across both the Bank and Insurance entities, incorporating:
• Market wide stress
• Name specific stress.
• Combined stress
• Large policyholders surrender risk (Insurance)
• Loss of wholesale funding (Bank)
• ICAAP and Enterprise-wide Stress Testing
• Support the ICAAP framework, calendar, and end‑to‑end production across entities and the Group.
• Align ICAAP with business plan, risk appetite, and recovery options, ensuring credible capital trajectories and buffers.
• Coordinate cross‑functional contributions (Finance, Treasury, Credit, Market Risk, Model Risk, Strategy) and drive a strong use test (ICAAP informs decisions
• Design and maintain a Group stress testing policy and methodology (top‑down and bottom‑up), with severe‑but‑plausible scenarios.
• Calibrate macro paths (GDP, inflation, rates, FX, unemployment) and satellite models linking macro factors to losses, NII/EVE, RWA, capital, liquidity, and earnings.
• strategies and stakeholder needs.

CORE ACCOUNTABILITIES AND DELIVERABLES 

• Financial
• Effective monitoring and control of market and liquidity risk exposures within approved risk appetite.
• Accurate and timely risk metrics supporting capital, liquidity, and balance sheet optimization.
• Contribution to sustainable profitability through improved financial risk insights.
• People
• Support capability building and knowledge sharing across the department.
• Processes
• Maintain robust financial risk monitoring, reporting, and escalation processes.
• Ensure compliance with internal policies, regulatory guidelines, and governance frameworks.
• Drive continuous improvement and automation of risk reporting processes.
• Systems
• Utilize and support enhancements to market and liquidity risk systems, models, and reporting tools.
• Partner with IT and data teams on system upgrades, controls, and data quality initiatives.
• Customers / Stakeholders
• Provide clear, concise, and actionable risk insights to Treasury, ALCO, senior management, and regulators.
• Act as a trusted risk partner to business and treasury stakeholders.

Qualifications

EXPERIENCE REQUIREMENTS  

• Minimum of 7 years’ related areas within the financial services industry, 4 years in Market and Liquidity Risk experience

ACADEMIC QUALIFICATIONS AND CERTIFICATIONS 

• Must-Haves
• Bachelor’s degree in Statistics, Risk Management, Finance, Banking, Accounting, Mathematics, Actuarial or a related field.
• Professional qualifications such as ACI (ACI Financial Markets Association), FRM (Financial Risk Manager), or CFA (Chartered Financial Analyst) or Actuarial certifications

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THE KEY RESPONSIBILITIES

• Credit Risk Management
• Lead the development, review, and ongoing enhancement of credit risk reporting frameworks, dashboards, and management information (MI).
• Monitor the Bank’s credit risk profile across portfolios, products, sectors, and counterparties, highlighting emerging risks and trends.
• Support the formulation and review of credit risk frameworks, policies, methodologies, and risk appetite metrics.
• Provide expert analysis and insights on asset quality, portfolio performance, concentrations, stress testing outcomes, and early warning indicators.
• Ensure timely, accurate, and compliant credit risk reporting to senior management, Board Risk Committees, and regulators.
• Partner with Credit, Finance, Treasury, Business Units, and Compliance to support informed credit decision-making.
• Oversee credit risk data quality, assumptions, and integrity across systems and reports.
• Support regulatory submissions, internal and external audits, and supervisory reviews relating to credit risk.
• Mentor and develop team members, fostering a strong risk culture and technical capability within the Credit Risk function.
• Climate Risk
• Support the development and maintenance of the Group Climate Risk Framework aligned to international best practice and regulatory guidelines.
• Define governance, roles, metrics, data requirements, and processes for physical and transition risk assessment.
• Lead climate risk scenario analysis, sector heatmapping, asset level vulnerability assessments, and exposure mapping.
• Oversee financed emissions estimation climate concentration analysis and carbon intensive sector reviews.
• Integrate climate risk drivers into credit rating models, underwriting, stress tests, and ECL overlays.
• Country Risk Management
• Develop and maintain the Country Risk Management Framework covering:
• Transfer & Convertibility (T&C) risk
• Sovereign risk
• Contagion risk
• Cross border settlement risk
• Ensure alignment with Basel Committee guidelines, rating agencies, and internal methodologies.
• Monitor country limit utilization across subsidiaries and cross border exposures.
• Identify emerging risks arising from geopolitical shifts, capital controls, rating downgrades, or sovereign restructurings.
• Integrate country risk into ICAAP, stress testing, and capital planning decisions.

CORE ACCOUNTABILITIES AND DELIVERABLES 

• Financial
• Effective monitoring and reporting of credit risk exposures, impairments, non-performing loans (NPLs), and portfolio quality.
• Contribution to optimization of risk-adjusted returns through improved credit risk insights.
• Support accurate credit risk inputs into capital adequacy, provisioning (IFRS 9), and stress testing processes.
• People
• Provide leadership and guidance to credit risk analysts/managers.
• Build technical capability and succession within the Enterprise Risk team.
• Promote collaboration and high performance across cross-functional teams.
• Processes
• Design and maintain robust credit risk reporting and escalation processes.
• Ensure adherence to approved credit risk governance frameworks and internal controls.
• Drive continuous improvement and automation of reporting processes.
• Systems
• Oversight of credit risk systems, data warehouses, and reporting tools.
• Partner with IT and data teams on system enhancements, upgrades, and risk analytics solutions.
• Customers / Stakeholders
• Provide clear, insightful, and actionable risk information to senior management, committees, and regulators.
• Act as a trusted advisor to business and credit teams on credit risk matters.

Qualifications

KEY TECHNICAL SKILLS & LEADERSHIP COMPETENCIES

• Strong expertise in credit risk management, portfolio analytics, and credit risk reporting.
• In-depth understanding of regulatory frameworks (Basel II/III), IFRS 9, and stress testing.
• Advanced analytical and data interpretation skills.
• Proficiency in credit risk systems, reporting tools, and data analytics platforms.
• Strong strategic thinking and problem-solving capability.
• High level of professional judgement and integrity.
• Ability to influence and challenge senior stakeholders constructively.
• Excellent communication and presentation skills.
• People leadership, coaching, and talent development skills.

EXPERIENCE REQUIREMENTS  

• Minimum 9 years’ related areas within the financial services industry, 6 years in Credit Risk experience

ACADEMIC QUALIFICATIONS AND CERTIFICATIONS 

• Bachelor’s degree in finance, Economics, Accounting, Mathematics, Statistics, or a related field.
• Master’s degree in finance, Risk Management, Economics, or Business Administration is an added advantage.
• Professional certifications such as FRM, PRM, CPA, ACCA, or CFA are strongly preferred.

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• To provide strategic leadership in the support of Health, Safety, Environmental and Internal Sustainability scope for Equity Group Holdings Plc. Responsible for ensuring highest health and safety standards for conducive, safe and healthy working environment for Group staff, customers, visitors and contractors/suppliers. This will involve compliance with the statutory legislation and regulations governing occupational health and safety, Environmental Management and Group Internal Sustainability. The role is geared to keeping the employer’s obligation with regards to workplace safety as per legislation and regulations.

Key Deliverables

• To assist the Group in complying with current occupational, safety and health legislation and regulations with the objective of ensuring that all reasonable and proper measures are taken to protect the safety, health and environment of the employees, customers, contractors, suppliers and visitors.
• Overseeing the internal and external safety and health audits, risk assessments, fire audits and Environmental audits and keeping records of inspections’ findings and producing reports. Ensuring all the gaps identified are timely closed out.
• Ensure all safe systems of work and Group HSE procedures are implemented at the Group including permits to work among others.
• To support implementation and monitoring the Group’s Occupational Safety Health, Environment and Fire safety Policy, Programs, and Procedures.
• Oversight of health, safety, environment & internal sustainability within Equity Group Holdings Plc and as an alternate contact for staff and customers to address HSE issues or concerns.
• Co-ordinate the training of personnel in areas of occupational, health and safety, first aid, fire safety, accident prevention, reporting, and investigation. 
• Developing and implementing action plans to address health and safety concerns raised in the statutory and routine audits.
• Coordinate and ensure compliance with the Group HSE policy & HSE statutory regulations by the contractors engaged by the Group. 
• Support in preparation and timely implementation of Occupational, Safety, Health and Environment strategies in the Group.
• To work with the respective Equity Group Subsidiaries’ Safety and Health manager and Committees’ in investigating and reporting all serious/critical incidents and accidents affecting employees, customers and visitors
• Carry out specialist tasks, including system audits, task-based risk assessments, and premises inspections and ensure timely report to the Group HSE Manager.
• Ensure the Group HSE Manager is kept appraised of any key HSE issues at and across all entities/subsidiaries in the Group.
• Coordinate with Facilities/Real estate teams to ensure closure of all identified HSE audit issues and non-conformances
• Prepare monthly and quarterly Group HSE reports for Group HSE Manager’s review.
• Inspiring Group team to achieve the safety goals and safety excellence through motivational and encouraging communications.
• To assist employees in emergency preparedness and response
• To ensure that employees are inducted according to the Group HSE-FS policies and procedures and   Ensure contractor and suppliers obligations on HSE matters are adhered to as spelt out in the contract and Group HSE-FS Policy & procedures
• To coordinate the training of employees in areas of safety, including first aid, fire safety, accident prevention and investigation, workplace inspections and other matters related to implementing safety procedures
• To respond to employees’ safety concerns
• Maintain records auditable trail/statistics regarding compliance with the Subsidiary Healthy Safety and environmental regulations.
• Report and document areas requiring Dispensation, Waivers & Breaches (DWB) to the Banks Group HSE Policy in writing in case of any deviations and areas of non – compliance (which cannot be rectified in the required time frames) 
• Identify and assess any risks to the health and safety of employees whilst at work with a view to eliminate or reduce the risks. 
• Visit the different business facilities and conduct, as necessary, health and safety inspections and assessments.  
• Respond, Investigate, report an ensure resolution on health and safety related complaints by staff and customers.  
• Departmental annual budget preparation, monitoring and controlling. 
• Drive and support cost management initiatives and track the outcomes.
• Ensure teamwork to create a good environment within the group.
• Participate in training as necessary
• Ensure the Group culture is entrenched in the daily routine of our operations.

Qualifications

• Degree/ Postgraduate/Masters in the fields of Occupational Health and Safety/Environmental Management/Engineering/Sustainability 
• NEBOSH IGC/ Diploma in Occupational Safety and Health/sustainability related courses will be an added advantage
• A minimum of 4-6 years’ experience in management & co-ordination of Occupational Health, Safety, Environmental Management & Sustainability