Jobs at Equity Bank Kenya

The purpose of the job is to enhance the quality of the corporate portfolio by ensuring that quality checks are introduced in the processing of corporate applications.  The Senior Corporate Credit Analyst at Equity Bank Limited (K) will serve as a loan analyst for borrowing requests from Branches, Corporate Credit, Treasury/Trade Finance Departments and Subsidiaries. This will include conducting the credit risk analysis and review of credit transactions and preparation of loan sanction write ups and summaries along with recommendations and present the same to the credit committees. Additionally, the role will introduce quality checks to ensure that corporate loans are established properly in the system and the production of management reports for monitoring. 

Key Accountabilities:

• Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and restructure and make recommendation to respective committees (Corporate Credit-EXCO, GOCAC).This involves ensuring acceptable risk levels are maintained, compliance with the Bank’s Credit Policy and CBK prudential guidelines.
• Identification of areas of weaknesses during credit analysis and mitigating credit risk appropriately for strong cases which are outside policy
• Structure credit solutions for the clients and ensuring the appropriateness of the products
• Review of Treasury/Trade Finance Limits from different Banks, Development Financial Institutions & other corporate bodies for presentation to approving authority
• Achieve Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from Branches, Corporate Credit, Treasury/Trade Finance Departments and Subsidiaries.
• Ensure observance of/compliance with the Bank’s lending policies and procedures, identify and mitigate exceptions to policy, whenever received.
• Ensure a consistent approach in assessing loan applications by developing/reviewing relevant risk assessment templates for use by the business.
• Ensure all risk areas for customers/businesses are identified and duly mitigated during the appraisal process e.g. Default (Credit) Risk, Operational Risk, Market Risk, Regulatory Risk, Reputational Risk etc in addition to PESTEL & SWOT Analysis.
• Make recommendations for credit policy review (at product and/or process levels.
• Offer guidance to Branches, Corporate Credit Origination, Trade Finance and Subsidiaries on the best way to structure customer needs/requests, whilst protecting the Bank’s position
• Train SME Managers & Branch Heads of Credits and subsidiary staff on presentation of credit proposals and financial analysis.
• Prepare regular reports (internal and external) for Senior Management and/or Board Risk Committees.
• Training of branch staff & adopting branches for mentorship and supporting is in resolution of issues that may arise from time to time

Qualifications and Experience

Education qualifications

• Bachelor’s degree preferably in business, finance or accounting.

Years of experience

• 10 Years experience in Credit of which five years should be in Credit Risk Underwriting or Corporate Origination 

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Main Duties and Responsibilities:

• Develop and execute strategies to enhance the Group’s mobile banking products and channels, focusing on usability, scalability, and innovation.
• Lead the design, development, and rollout of new mobile banking products, ensuring alignment with customer needs and market trends.
• Collaborate with IT and digital teams to implement seamless integration of mobile banking solutions across all subsidiaries.
• Foster partnerships with fintechs and third-party solution providers to introduce cutting-edge technologies and expand the bank’s digital ecosystem.
• Drive adoption of APIs to enable seamless integration with external partners and enhance product offerings for merchants, billers, and agents.
• Oversee the end-to-end product development lifecycle, from ideation to deployment, ensuring alignment with the bank’s strategic goals.
• Ensure compliance with industry regulations and implement robust security measures to protect customer data and financial transactions.
• Monitor and analyze the performance of mobile banking channels, using data insights to identify opportunities for product and channel enhancements.
• Lead the development of user-friendly, automated onboarding processes for mobile channels, improving accessibility and customer experience.
• Collaborate with subsidiaries to ensure consistent product offerings and performance across all Group markets.
• Proactively identify and mitigate fraud risks across all digital platforms.
• Deliver regular performance reports, including metrics on subscriptions, deployments, customer satisfaction, and financial outcomes, to Group management.
• Foster a culture of continuous improvement in channel and product development, encouraging innovation and efficiency.

Qualifications

• Bachelor’s degree in IT, Computer Science, Software Engineering, or a related field; an advanced degree is preferred.
• Proven experience in product and channel development within the banking or financial services sector.
• Strong technical background with experience in digital platforms, APIs, and mobile banking technologies.
• Demonstrated ability to innovate and drive the development of scalable, user-friendly digital products.
• Exceptional leadership skills with a focus on fostering collaboration and innovation.
• Customer-centric mindset with a strong commitment to improving user experiences and accessibility.
• Extensive experience in mobile banking product development, channel strategy, and digital innovations.
• Strong background in IT, with expertise in software development, APIs, and digital banking platforms.
• Demonstrated ability to lead product development lifecycles and manage technical teams effectively.
• Deep understanding of mobile banking technologies, including USSD, STK, and app-based platforms.
• Expertise in security protocols, regulatory compliance, and data protection for digital channels.
• Strong analytical and problem-solving skills, with the ability to interpret data and identify actionable insights.
• Proven experience collaborating with fintechs and third-party solution providers.
• Excellent interpersonal and communication skills, with the ability to collaborate across functions and lead diverse teams.

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As the Group Product Head in Liquidity and Account Solutions, you are an integral part of the team that innovates new product offerings and leads end-to-end product life cycle for our Corporate, Public Sector and Institutional Clients. As a core leader, you will play a pivotal role in driving the strategy, design, development and execution of liquidity structures and account solutions offerings across multiple markets. Utilizing your deep understanding of how to get products off the ground, you will guide the successful launch of products, gather feedback and ensure top tier client experience. You will oversee the entire product lifecycle from ideation to execution and collaborate with cross-functional teams to ensure seamless integration and alignment with the bank’s overall strategy while ensuring compliance with regulatory requirements.

Key Responsibilities:

Product Strategy:

• Develop a product strategy and product vision that delivers value to customers.
• Develop a rich understanding of the Liquidity & Escrow product suite and infrastructure, including drivers of revenue, capabilities vs industry/customer needs and current business priorities.
• Conduct market research to understand competitive offerings and identify opportunities for innovation in liquidity products.
• Coordinate product delivery and readiness to Commercial Banking Sales, Service and Implementation.

Platform & Technology Leadership:

• Lead the development and enhancement of liquidity products and structures in line with customers needs and market trends.
• Collaborate with IT teams to implement emerging technologies and best practices ensuring a seamless customer experience.
• Drive change readiness activities to ensure business and functional teams are fully ready ahead of go live.

Processes & Innovation:

• Oversee the end-to-end lifecycle of liquidity products, ensuring timely updates, pricing adjustments and compliance with regulatory changes.
• Drive continuous innovation by identifying opportunities to enhance processes, streamline operations and introduce new product features.

Compliance & Risk Management:

• Ensure all liquidity structures and products comply with regulatory requirements and are aligned with industry best practices and security standards.
• Collaborate with legal, compliance, and risk teams to mitigate operational and regulatory risks.
• Establish robust program governance, create project plans and drives successful delivery of program milestones.

Cross-functional Collaboration:

• Work closely with internal stakeholders, including technology, marketing, compliance, and operations teams, to deliver seamless and integrated card solutions.
• Partner with external vendors, schemes, and fintech partners to identify new opportunities and stay ahead of industry trends.

Team Leadership & Development:

• Lead and develop a team of product managers and specialists, fostering a culture of collaboration, innovation, and excellence.
• Mentor and guide the team in agile methodologies, ensuring timely and quality delivery of projects.

Performance & Reporting:

• Track and analyse key performance indicators (KPIs) related to the products, including profitability, customer satisfaction, and transaction volumes.
• Report regularly to senior leadership on product performance and market opportunities.

Qualifications

Education:

• Bachelor's degree in Business, Finance, Management, Economic, or a related discipline.
• Advanced degree (MBA or equivalent) is a plus.

Experience:

• 10+ years of experience in product management.
• Knowledge of balance sheet, liquidity concepts and client franchises to manage activities within targets, strategy and framework.
• Experience in developing treasury solutions/structures and treasury management systems for clients looking for centralized treasury, treasury digitalization etc.
• Excellent understanding of liquidity management products and solutions such as cash sweeping, account rationalization, Notional Pooling, Interest Optimization etc.
• Proven ability to lead product life cycle activities including discovery, ideation, strategic development, requirements definition and value management.
• Proven ability to build strong partnership and credibility with technology, functional partners and senior management