Careers at Equity Bank Kenya

Job Purpose:

• The role holder will lead the business banking segment and drive development initiatives aligned with the region's overarching strategy.
• They will be accountable for achieving strategic business development targets and cultivating strong relationships with key stakeholders to support the Bank's long-term goals. As a proactive member of the Bank’s leadership team, they will contribute to the formulation of strategic plans—spanning long, medium, and short-term objectives—aimed at advancing both the Bank’s and departmental success.
• They will effectively communicate and align the Bank’s business strategy across all stakeholders, ensuring staff remain motivated and focused on achieving business development objectives.

Key Responsibilities

Business Development:

• Develop and implement annual and quarterly financial plans and budgets for the region. 
• Manage borrowing and non-borrowing customers in the region to boost customer loyalty, reduce risk of loss, and drive business growth.
• Regularly assess and adjust strategic initiatives within the region/segments to ensure effective outcomes.
• Lead and direct efforts within the segments to grow the business and achieve set targets in optimal proportions.
• Cultivate and strengthen relationships with both existing and potential customers, identifying and sharing market opportunities and insights to guide business and product development.
• Lead and conduct regular business visits to bank clients, prospects, and branch/affiliates to foster relationships and drive growth.
• Maintain a sustainable, profitable, and high-quality balance sheet by managing key financial metrics.
• Enforce cost optimization strategies to maximize resource efficiency and minimize expenses.
• Continuously evaluate and enhance customer value propositions for different customer segments.

Market & Customer Service:

• Collaborate with regional business stakeholders to develop and implement sales initiatives.
• Continuously gather and analyze market intelligence to identify new markets, customer trends, regional government directives, and policy changes.
• Represent and promote the Bank as its brand ambassador in all interactions.
• Contribute to the development and execution of strategies that strengthen and position the Equity brand within target markets.
• Coordinate and lead business banking marketing initiatives to drive awareness and engagement.
• Initiate, build, and sustain strategic business partnerships to support long-term growth.
• Position Equity Bank Kenya as the preferred banking choice in the market.
• Ensure strict adherence to the Bank’s customer service standards and policies.
• Drive market share growth in alignment with strategic goals, ensuring profitability, ethical practices, and sustainability.

Audit Risk & Compliance:

• Ensure the loan book quality across various segments within the region meets established standards.
• Actively participate in the Regional Credit Committee in accordance with policy guidelines.
• Enforce adherence to policies and procedures set by regulatory authorities, Equity Bank, and other stakeholders.
• Develop and implement effective Business Continuity Plans for each segment.
• Drive improvements in audit and risk ratings for the region, ensuring they remain within set thresholds based on key performance indicators.
• Communicate and clearly articulate the Bank’s risk and control environment to unit staff, ensuring a strong understanding and adherence.

People Management:

• Leverage existing competencies and create new ones to secure a competitive advantage.
• Ensure the recruitment and retention of skilled human resources to deliver exceptional service, achieve targets, and optimize business efficiency.
• Manage succession planning at the segment level, ensuring competent successors are in place for key positions to ensure business continuity and effective cost management.
• Mentor and coach staff to build their capacity and enhance performance in their assigned roles.
• Provide career guidance, offer learning opportunities, and assign tasks that support engagement and career development.
• Foster a positive work environment by maintaining high morale and keeping staff motivated across the region.
• Set clear performance expectations and conduct timely performance evaluations to maintain high performance standards.
• Conduct weekly performance review meetings with Business Banking officers in the region to monitor progress and address concerns.
• Drive regional staff growth and development by identifying talent and aligning them with appropriate opportunities.
• Identify staffing gaps and advise the Regional RM Business on the optimal deployment of staff across branches.
• Ensure compliance with HR policies in the management of employees.

Performance & Reporting:

• Optimize the Bank’s Management Information System to effectively manage staff performance.
• Ensure the proper segmentation of the Bank’s client database and implement targeted marketing strategies across various business segments.
• Submit relevant and timely reports to key stakeholders to support informed decision-making.
• Perform any additional duties as assigned by the line manager.

Qualifications

Qualifications and Experiences

• Bachelor’s degree in business administration, finance, or a related field. 
• At least eight (8) years of experience in commercial credit, financial analysis, or banking, four (4) years of which must be as a Business Client Advisor or similar role.

Key Competencies & Skills

• Strong understanding of organizational effectiveness and operations management.
• Proven experience in budgeting, forecasting, and financial planning.
• Exceptional leadership and management abilities.
• Skilled in developing, implementing, and reviewing policies and procedures.
• Expertise in overseeing budgeting, reporting, planning, and auditing processes.
• In-depth knowledge of relevant legal and regulatory requirements.
• Proficient in identifying and addressing challenges and opportunities for the company.
• Excellent communication skills, both written and verbal.
• Outstanding organizational and time-management abilities.

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Job Purpose:

• Reporting to the Regional General Manager has the responsibility to coordinate business at the regional level to ensure the bank strategies, goals and objectives are achieved. 
• The regional manager will support the business achieve its objectives on Customer Recruitment, Deposit mobilization, Growth of the asset, identifying Investment & Insurance opportunities, Quality management, Staff productivity, Training, and implementation of the segment strategy at the regional level.

Key Accountabilities:

Monitoring and Surveillance/Quality Management

• Track on daily basis loans originated at the branch level and smoke out malpractices.
• Sample loans disbursed at the branch daily and review decisions made.
• Daily engagement with staff on arrears management.
• Query daily arrears report with the officers and branch.
• Relationship management of the borrowers in the region.
• Ensuring compliance of staff to policies & procedures.

Training, Mentorship and Coaching

• Conducting refresher training to branch staff members.
• Training Branch Credit Committee and ensure quality of loans originated are in line with policies & procedures.
• Enhance the Organization culture and core values among the Sector team members.
• Handholding, mentoring and coaching the staff within the region on the bank lending processes. 

Growth of business

• Participate in development of Sector products and reviews based on market needs.
• Seek and manage Partnerships aligned to the Sector objectives.
• In charge of bringing business aggregators in the region with conjunction with various partnerships established by the bank.
• Enforcing service delivery within the stipulated SLAs.
• Organizing and conducting marketing storms for branches.
• Follow up on closures of business leads generated from the marketing storms.
• Participate in formulation of the Sector strategy and ensures its full implementation. 

Staff Productivity

• Hold weekly performance review discussions with Biashara banking officers in the region.
• Regional Sector Staff Growth and development, Talent identification and recommendation for alignment to available opportunities
• Identifying staff gaps and advise the Regional RM Business on deployment of staff to branches.

Customer service

• Enforcing service delivery within the stipulated SLAs.
• A brand ambassador of equity bank in the market.
• Partnership engagement
• In charge of regional micro aggregators
• Supporting the Branches in onboarding the various ecosystems and owning them end to end. 

Other roles include:

• Liaison with various Sector internal and external Stakeholders in the region. 
• Update and advise the Segment Head - Biashara Banking on progress of business in the region. 
• Any other duties as may be assigned by the line manager

Qualifications

Qualifications and Experience 

• Business- related university degree
• At least 6 years’ experience as a Relationship Supervisor- Biashara Banking.

Key Competencies and Skills

• Excellent interpersonal skills and demonstrated conflicts resolution skills.  
• Strong coaching skills  
• Strong communication, presentation, and negotiation skills  
• Self-Driven, an eye for detail and capacity to meet strict deadlines while working under pressure with minimal supervision.  
• Individual Leadership skills, Excellent Planning and organizing skills.  
• Mature personality & Team player  
• Flexibility and an ability to change focus areas when needed.  
• Self-motivated and a self-starter
• Excellent understanding of micro finance industry practices.  
• Exhibits an exceptional degree of creativity and resourcefulness.  
• Guides and transfers knowledge to his/ her team.   
• Excellent business relationship management skills and business closure techniques.