Vacancies at Equity Bank Kenya

Description 

We seek to recruit qualified, experienced, self-driven, highly motivated, and passionate candidates to fill the position outlined below within the Internal Controls & Compliance Job Family 

The Business and Functions Risk and Controls Manager is responsible for developing and implementing a risk management strategy that aligns with business objectives. This role is pivotal in safeguarding the organization against potential threats and uncertainties, promoting a proactive approach to risk management, and ensuring business resilience. 

Job Responsibilities

• Develop and implement a comprehensive First Line risk management strategy aligned with strategic objectives. 
• Create a process universe for the business functions and units maintain an up-to-date universe 
• Identify and assess risks across various business functions and maintain an up-to-date risk register.  
• Create a risk universe for the business functions and units and maintain an up-to-date control library, Key Risk Indicators (KRIs), Key Control Indicators (KCIs) 
• Liaison with department heads to integrate risk management into business and functions processes and decision-making. 
• Establish and maintain risk management policies, procedures, and frameworks within the business function. 
• Conduct regular risk assessments to identify emerging risks and update risk profiles accordingly. 
• Monitor and evaluate Inherent risks against controls, key risk indicators (KRIs) and liaise with business functions to remediate potential issues. 
• Ensure compliance with regulatory requirements and industry standards related to risk management. 
• Implement internal and external audit recommendations. 
• Implement risk management findings and recommendations in liaison with senior management and relevant stakeholders. 
• Serve as the secretary to Business Risk Forums/ DNFRC 
• Serve as a member of GNFRC, GFCRC and business & functions management committees 
• Train and guide employees at all levels on risk awareness and mitigation strategies within the business functions. 
• Design and implement Quality Assurance programs 
• Lead the development and maintenance of business continuity and crisis management plans. 
• Keep abreast about changes in the business environment, regulations, and industry trends that may impact risk exposure. 
• Manage a team of risk management professionals, providing leadership, direction, and support. 
• Develop an Operational resilience strategy 

Qualifications

Education Qualifications 

• Bachelor’s degree in business, Finance, Risk Management, or a related field. A relevant certification (e.g., Certified Risk Management Professional, Certified Internal Auditor) is a plus. 

Knowledge and Experience Required 

• Minimum of 3 years of experience in the relevant business function, risk management, internal controls, auditing, quality assurance, or a related field within the financial industry. 
• Proven experience in developing and implementing risk management strategies. 
• Strong knowledge of risk management principles, regulatory requirements, and industry best practices. 
• Strong analytical skills with the ability to identify, assess, and prioritize risks across various business functions. 
• Proactive problem-solving abilities to develop effective risk mitigation strategies. 
• Excellent written and verbal communication skills. 

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Job Purpose:

This role is accountable for reviewing agency applications and ensuring strict adherence to processes and procedures. This role involves overseeing the quality of approved agents and ensuring a strong agency presence to effectively deliver banking services to customers. Additionally, the Agency Distribution Lead is responsible for the strategic selection and approval of high-quality agents. 

Key Responsibilities: 

• Review agency applications and ensure full compliance with established processes and procedures.
• Collaborate with the legal unit to ensure the bank’s protection in agency agreements and applications.
• Oversee the processing and documentation of agency relocations, transfers, exits, and terminations.
• Ensure the bank’s adherence to CBK regulations and alignment with agency prudential guidelines.
• Coordinate agency application activities between branches and other relevant support units to ensure comprehensive support for agency business operations.
• Facilitate staff training on new agency products and processes.
• Ensure recruitment of high-quality agents is conducted in full compliance with established policies and procedures.
• Guarantee that the agent approval process is completed within SLA timelines.
• Share timely market intelligence and trends to keep the team informed.
• Perform any other duties as assigned by the team leader.

Qualifications

Academic and Professional Qualifications, Experience  

• Bachelor’s degree in accounting, finance, banking or business-related fields from a recognized institution of higher learning.
• Over 4 years of relevant working experience and must have worked in the Bank for not less than 2 years.
• Experience in overall branch operations, especially cash, accounts opening, customer service etc.
• Previous experience in agency banking –should be an added advantage.
• Overall knowledge of what the Agency supervisor role entails.
• Knowledge of AML, KYC and CBK Agency prudential guidelines.
• Ability to identify and respond to customer and agents’ needs

Key Competencies & Skills 

• Proficient in using computer spreadsheets with advanced skills.
• Strong record-keeping and organizational abilities.
• Excellent business marketing and sales expertise.
• Collaborative team player with exceptional interpersonal skills.
• Demonstrates professionalism, integrity, and ethical conduct.
• Proven leadership experience with the ability to motivate and inspire others.
• Strong analytical and problem-solving abilities with sound decision-making skills.
• Financially astute with demonstrated financial analysis capabilities.
• Ability to perform effectively under pressure, including long hours and frequent travel.
• Excellent verbal and written communication skills.
• In-depth knowledge of CBK Agency Prudential Guidelines.
• Comprehensive understanding of competitor analysis and market trends.
• Skilled at identifying and addressing customer and agent needs

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Job Purpose:   

The Core Banking Applications Developer will support the business to achieve its goals and objectives using effective, contemporary IT practices, modern technologies, and adhering to the laid down policies and procedures to achieve the strategic objectives.  

The resource will offer both functional and technical expertise related to Finacle core system to meet key objectives of IT; ensure system availability, provide continuity, confidentiality, and continuous Improvement. 

Job Responsibilities/ Accountabilities: 

• Finacle Core banking scripting (SSO, CRM, CORE, C24, FI), Java programming, javascript scripting, customization and enhancements of new and existing functionalities and workflows 
• Provide Level 2 (L2) technical & functional and administration support of applications ensuring compliance with business expectation.  
• Development of new inbound and outbound APIs for Finacle CORE, Finacle CRM, Finacle SSO, Finacle SVS,  Finacle Reporting Infrastructure. 
• Finacle Report development using Reporting Infrastructure and Maha Reports 
• Carry out troubleshooting, installation, configurations, correction of scripts including optimizations, guidance, escalations, coordination with vendor & end user training. 
• Implement and maintain systems for monitoring/audit of functionalities. 
• develop and update technical procedures, release notes/ deployment architectures and desktop instruction documents for all assigned applications. 
• Implement changes in parameters, configurations and deployment of patches based on approved Change / Configuration Management process. 
• Provide required support for rollout of new functionalities, products, processes, and mandates. 
• Provide regular status update of issues / requirements assigned / allocated. 
• Adhere to bank’s incident, problem, and change management processes (Ticket assignment and resolution, Problem management to resolve root cause of repeat incidents, attend CAB meetings and verify all changes implemented are properly tested to minimise incidents related to changes). 
• Support business in executing UATs. 
• Support the execution of design, planning and implementation of bank projects that promote business needs.  
• Ensure security of data and information within the Applications Systems (Data Protection laws apply). 
• Support the business continuity management activities (deployment, restoration, failovers, DR testing)
• Training of the application to the relevant support teams.
• Demonstration of sound technical judgement, communication skills and talented development capabilities. 
• To maintain the Culture Brand of the organization and customer service.
• Contribute to business growth and sales of the organization. 

Qualifications

Essential Knowledge 

• Proficiency of Finacle core banking system is a must. 
• BFSI knowledge is a must 
• Relational Database knowledge. Oracle, mysql, postgres 
• Programming knowledge; java, javascript 
• Integration experience using ISO8583 and SOAP, json
• Unix scripting 

Key Critical Competencies 

• Enterprise IT skills. 
• Excellent and effective communications skills, both orally and in writing. 
• Being adaptable, excellent Teamwork/Interpersonal skills. 
• Customer handling skills 
• Work under pressure and multitask 
• Flexibility to work in 24x7 environment 
• Analytical, troubleshooting & problem-solving skills 
• Understanding of organization, vision, mission, and culture 
• Understanding of banking processes, technologies, and best practices 
• Understanding of below mentioned platforms, applications, databases, and utilities: 
• UNIX / Linux / MS Windows Server 
• Programming Languages (Java, Js, C++, JavaScript, XML) 
• Scripting languages including unix 
• Oracle, SQL, PL-SQL 
• Web Technologies (J2EE, IIS, Weblogic, Apache) 
• Banking, Financial sector and Insurance domain knowledge 

Requirements: 

• Bachelor’s degree in IT or equivalent. 
• System administration skills and/or certifications for example: linux, microservices,  
• Database Management skills - (oracle, mssql, mysql, db2, postgre, maria, etc),  
• Middleware/ webserver skills - (weblogic, websphere, tomcat, wildfly, etc) 
• Programming skills -Java, javascript, C++, unix scripting, and other related certifications. 
• Project management  
• BFSI domain knowledge clearing, operations, trade finance, credit, etc 

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Job Purpose: 

• Champion of the Borrow Pillar for the Bank & have Overall responsibility for Portfolio Growth, Income Generation and Portfolio Quality within PSIB
• Primarily responsible for proper structuring of Borrower needs/solutions that manage inherent risks associated with the portfolio and ensuring high quality portfolio.
• Closely work with the relevant stakeholders from origination, utilization to monitoring, playing a vital role in deal structuring to add-value from Business, Credit & Bank Policy perspectives.
• Preparation of PSIB Clients Partnership Proposals
• Participate and contribute to cross-selling the Bank’s products across other Pillars –BORROW, INVEST, INSURE, MOVE & SAVE (BIIMS).

Key Responsibilities

Deal Origination

• Accompany Relationship Managers & Product Specialists, as applicable, in Client visits to originate identified Borrowing needs with a view to seamlessly manage the onboarding process.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with relevant stakeholders in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Prepare and secure approval for Term Sheets, wherever required

Work with relevant stakeholders in: 

• Obtaining all deal pre-clearances i.e. KYC, AML/CTF Screening, ESG Review, CRB Check, etc.
• Deal Structuring and other relationship optimization initiatives
• Expediting approvals, Security Perfection & Facility Disbursement/drawdown.
• Portfolio Management, Monitoring & Reporting, as and when required
  • Responsible for end-to-end credit proposal process including preparing all the tools like environmental and social due diligence report, Scorecard, Finales, etc., in-depth analysis of value propositions & various risks, quality presentation and ensuring timely credit approval.
  • Ensure full compliance with all internal and regulatory credit/portfolio terms & condition

Post Deal Account Monitoring

•  Proactively, in conjunction with the Relationship Manager, follow-through for closure of security perfection, conditions with a view to timely disbursements, prompt repayments et al
• In partnership with the Relationship Manager, ensure timely identification of accounts to be downgraded to Watch status, as per the Bank’s policies and guidelines.
• Attend downgraded accounts (Watch status)/Portfolio calls along with the relevant stakeholders (DRU/Special Assets)
• Proper maintenance of Clients’ credit files and ensuring audit-ready always.
• Promptly carry out interim credit proposal reviews and amendments as the business demands
• Ensure timely facility renewals &/or justified extensions whilst not breaching required thresholds.
• Liaise with Credit Risk on Credit Proposals/Memos/Terms Sheets and other credit issues and ensure quick reverts/turnaround on queries.
• Prepare and seek periodic approval where applicable on Covenants and Risk Triggers report.

Others

• Effective use of ALL applicable Bank Systems
• Attend relevant business development fora, as required, to mine/convert opportunities.
• Assist in/Collaborate with other stakeholders to prepare industry-specific studies.
• Prepare Credit Opinion reports wherever required.
• Prepare timely Stress Tests, wherever required

Additional Responsibilities

• On request, participate in Bank & Group-wide HR and business initiatives and provide expert advice on Corporate Credit matters including any other matter that may be assigned by the Team Leader from time to time.
• Prepare PSIB Partnership Proposals after clients’ visits with the RMs
• Prepare MOUs for sign off by PSIB Clients in liaison with the RMs
• Participate in MOUs negotiations and follow up for signing purposes
• Tracking initiated PSIB Clients MOUs and Proposals
• Facilitating H2H integrations for the Segment
• Facilitating resolution of PSIB Queries and complaints within the SLAs

Qualifications

Academic:

• Bachelor’s degree from a recognized institution
• Master’s Degree is an added advantage.

Desired work experience:

• A minimum of 5 years’ relevant experience
• Good track record of credit analysis and financial understanding.
• In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.

Key Skills and Competencies

• Credit Analysis
• Risk Management
• Industry Knowledge
• Networking Skills
• Follow Through