Job Purpose:

To support SME segment and development in line with the branch overall strategy. The role responsible for meeting business developments strategic targets. and responsible in establishing and maintaining key relationships with stake holders in the achievement of the Bank’s strategic goals.

Key Responsibilities 

Business Development

• Participate in developing the annual and quarterly financial plans and budgets for the Branch.
• Management of borrowing and non-borrowing customers in the Branch to enhance customer loyalty, mitigate against loss and enhance increased business.
• Regularly review strategic initiatives of the Branch/segments with a view to taking appropriate action.
• Direct the overall effort of the segments in growing business in optimum proportions to achieve set targets.
• Develop and deepen relationships with existing and potential customers. Identify and disseminate market opportunities and information to guide business development efforts and product development.
• Spearhead/ conduct regular business visits to Bank clients, prospects and branch/affiliates.
• Maintain a sustainable, profitable and high-quality balance sheet.
• Cost management –enforce cost optimization of the resources.
• Continuously review customer value propositions for various customer segments

Market & Customer Service

• Collaborate and coordinate the development and the implementation of the sales initiatives with other Branch business stakeholders.
• Continuously conduct and advise market intelligence to identify new markets customer trends, Branch government directives and changes in the policy.
• Act as the Banks’s brand ambassador.
• Participate in development & execution of strategies that build the Equity brand and endear it to its chosen markets.
• Coordinate business banking marketing initiatives
• Originate, build and sustain strategic business partnerships.
• Position Equity Bank Kenya as a preferred Bank.
• Ensure full adherence to the Bank’s customer service chatter.
• Increase market share in line with strategic ambitions and in a profitable, ethical and sustainable manner.

Audit Risk & Compliance

• Ensuring the quality of the loan book in the various segments within the Branch is within expected standards.
• Participates in Branch Credit Committee as per policy
• Ensure adherence of policies and procedures from regulatory authorities, Equity bank and other stakeholders.
• Put in place effective Business Continuity plans for various segments.
• Ensure audit and risk rating for the Branch improves and is within set thresholds as per the key performance indicators communicated sometimes.
• Communicate and articulate the Bank’s risk and control environment to the unit staff and ensure good appreciation of the same

Performance & Reporting

• Optimize the use of the Bank’s Management Information System for performance management.
• Ensure optimum segmentation of the Bank’s client database and targeted marketing on the various business segments.
• Timely submission of reports to key stakeholders to aid in decision making.
• Any other duties as may be assigned by the line manager

Qualifications

Qualifications, Experience & Competencies

• Bachelor’s degree in business administration, finance, or a related field.
•  At least 2 – 4 years’ work experience.
• Experience in Biashara banking is an added advantage.
• Knowledge of organizational effectiveness and operations management.
• Experience in budgeting and forecasting.
• Leadership skills.
• Ability to develop, implement, and review policies and procedures.
• Ability to oversee budgeting, reporting, planning, and auditing.
• Understanding of necessary legal and regulatory documents.
• Ability to address problems and opportunities for the company.
• Excellent communication skills.
• Outstanding organizational skills.

Job Purpose:

Reporting to the Relationship Manager, Business, the Senior officer will be responsible for overseeing growth of the loan book, deposit mobilization, onboarding customers on digital platform and providing insurance solutions to the customers within the bank.

Key Responsibilities       

Customer Onboarding and Training:

• Onboard and train customers on digital platforms.

Client Acquisition and Marketing:

• Acquire new customers through marketing and institutional visits to private institutions, NGOs, parastatals, and government institutions.
• Conduct strategic marketing drives and forums, including counties and schools.

Customer and Institutional Appraisal:

• Facilitate MOUs and loan facilities through customer and institutional appraisals.

Loan Processing and Management:

• Ensure timely loan approvals and disbursements within SLAs.
• Compile loan applications for discussion at the Branch Credit Committee (BCC).
• Complete loan contracts by explaining risks, reviewing applications, obtaining signatures, and batch proofing.
• Review financial data to determine risk factors for decision-making at the BCC.

Arrears and Post-Disbursement Management:

• Engage with customers daily to manage arrears.
• Conduct post-disbursement visits to ensure customer satisfaction and compliance.

Client Assistance and Relationship Management:

• Assist clients in determining the most suitable loan to meet their financial objectives and needs.
• Promptly follow up on customer complaints until resolved.
• Maintain and manage customer relationships to ensure satisfaction and loyalty.

Deposit Mobilization and Documentation:

• Mobilize deposits

Qualifications

Qualifications, Experience

• University degree in a Business-Related Course, Education, Social Sciences or Advanced Diploma in business related course.
• Overall C+ in KCSE (C+ in mathematics)
• 2-3 Years’ experience
• Sales experience is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Computer literacy with high command in Microsoft suite.

Key Competencies & Skills

• Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
• Excellent business relationship management skills and business closure techniques.
• Ability to develop, plan, execute and implement according to laid business strategies.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills
• Strong communication, presentation, and negotiation skills
• Strong analytical and problem-solving skills

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Job Purpose:

Reporting to the Relationship Manager, Business, the officer will be responsible for overseeing growth of the loan book, deposit mobilization, onboarding customers on digital platform and providing insurance solutions to the customers within the bank.

Key Responsibilities       

Customer Onboarding and Training:

• Onboard and train customers on digital platforms.

Client Acquisition and Marketing:

• Acquire new customers through marketing and institutional visits to private institutions, NGOs, parastatals, and government institutions.
• Conduct strategic marketing drives and forums, including counties and schools.

Customer and Institutional Appraisal:

• Facilitate MOUs and loan facilities through customer and institutional appraisals.

Loan Processing and Management:

• Ensure timely loan approvals and disbursements within SLAs.
• Compile loan applications for discussion at the Branch Credit Committee (BCC).
• Complete loan contracts by explaining risks, reviewing applications, obtaining signatures, and batch proofing.
• Review financial data to determine risk factors for decision-making at the BCC.

Arrears and Post-Disbursement Management:

• Engage with customers daily to manage arrears.
• Conduct post-disbursement visits to ensure customer satisfaction and compliance.

Client Assistance and Relationship Management:

• Assist clients in determining the most suitable loan to meet their financial objectives and needs.
• Promptly follow up on customer complaints until resolved.
• Maintain and manage customer relationships to ensure satisfaction and loyalty.

Deposit Mobilization and Documentation:

• Mobilize deposits

Qualifications

Qualifications, Experience

• University degree in a Business-Related Course, Education, Social Sciences or Advanced Diploma in business related course.
• Overall C+ in KCSE (C+ in mathematics)
• 2-3 Years’ experience
• Sales experience is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Computer literacy with high command in Microsoft suite.

Key Competencies & Skills

• Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
• Excellent business relationship management skills and business closure techniques.
• Ability to develop, plan, execute and implement according to laid business strategies.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills
• Strong communication, presentation, and negotiation skills
• Strong analytical and problem-solving skills

Job Purpose:

The Holder of the role shall oversee Credit Risk Underwriting duties within the branch. The Branch Credit Manager is responsible for overseeing the credit operations within the branch, ensuring the effective management of credit risk, and maintaining the quality of the loan portfolio. This role involves evaluating loan applications, making credit decisions, and ensuring compliance with the bank’s credit policies and procedures.

Key Responsibilities 

• In charge of Credit underwriting process and chair of the Branch Credit Committee (B.C.C).
•  Responsible for all credit reports such as PAR analysis, Portfolio distribution. reports, monthly credit reports, and any other information required by the Branch Manager.
•  Co-ordinate perfection process from branch through head office and legal Department.
•  Monitor adherence to the Bank SLA with various stakeholders along the credit process.
•  Enforce compliance to all credit policies and procedures and other regulatory Policies at the branch.
•  Overseeing proper customer records and documents management in the branch.
•  Verification of branch system transactions relating to credit activities.
•  Proactively support the Relationship Manager – Business in managing portfolio quality and minimize delinquency.
•  Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk.
•  Decision Making: Approve or recommend credit decisions within delegated authority limits.
• Customer Service: Provide excellent customer service by addressing client inquiries and resolving credit-related issues.
• Reporting: Prepare and present credit reports and analysis to senior management.
• Training: Provide training and guidance to branch staff on credit policies and procedures.
• Liaison person between the branch and regional office credit function.
• Perform any other duties as assigned from time to time.

Qualifications

Qualifications, Experience & Competencies

• Bachelors’ Degree in a finance or related field.
•  At least 8 years of relevant working experience, with 3 of these having been in a Credit admin role.
•  Thorough understanding of the Bank’s Lending strategy across various segments/sectors.
•  Proven Credit Risk Management track supported by good underwriting skills.
•  In-depth understanding of credit risk assessment, loan processing, and regulatory requirements.
• Relevant certifications in credit management or banking are a plus.

Job Purpose:

Reporting to the Relationship Manager Business, the Relationship Supervisor- Pamoja Banking has the responsibility to manage and coordinate all the groups under him/her to ensure the bank’s goals and objectives are achieved.

Job Responsibilities:

Stakeholder Engagement and Outreach:

• Hold consultative meetings with stakeholders (e.g., Chiefs, market opinion leaders) to arrange meetings with potential clients (groups).
• Prepare keynote messages for forums to promote the Pamoja banking value proposition.
• Manage inquiries on Pamoja banking at the branch and in the marketplace.

Group Onboarding and Training:

• Identify and select qualifying groups from the market.
• Support groups in registering with relevant government offices and obtaining KYC documents for account opening.
• Set up group structures, maintain records, and train group officials. o Conduct pre-registration and post-registration training for groups.
• Deliver training to group members at their convenience.

Deposit Mobilization and Documentation:

• Enforce weekly savings contributions and ensure proper documentation at the group level (e.g., treasurer’s ledger, group minutes, passbooks).
• Mobilize deposits through weekly savings collections.

Loan Processing and Compliance:

• Conduct business and home visits to verify borrowers’ ability to pay, collect financial information, and confirm securities pledged.
• Compile credit proposals for discussion at the Branch Credit Committee (BCC) and present group client requests for approval
• Onboard groups and group members in the IGLS system and generate relevant reports.
• Initiate group loan requests and manage end-of-day postings in the IGLS system.
• Perform data cleanup of exited and dormant customers from the IGLS system.
• Ensure compliance with credit policies and train branch staff on any amendments in the Pamoja banking product offering.

Portfolio and Relationship Management: 

• Manage and maintain the quality of the loan book through post-disbursement visits, weekly collection of savings and loan payments, and enforcing co-guarantee mechanisms in groups.
• Establish working group structures and enforce the five pillars of stable groups.
• Ensure timely loan approval and disbursement within SLAs.

Customer Recruitment and Segment Growth:

• Recruit new-to-bank customers and actualize segment partnership objectives to align with sector growth objectives.

Qualifications

Qualifications and Experience: 

• University degree in a Business-Related Course, Education, Social Sciences or Diploma in business related course.
• Overall C+ in KCSE and C+ in mathematics
• 4-5 Years’ experience
• Sales experience is an added advantage.
• Experience in micro finance industry is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Computer literacy with high command in Microsoft suite.

Key Skills and Competencies:

• Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
• Excellent business relationship management skills and business closure techniques.
• Ability to develop, plan, execute and implement according to laid business strategies.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills
• Strong communication, presentation, and negotiation skills
• Strong analytical and problem-solving skills

Job Purpose:

Reporting to the Relationship Manager Business, the Relationship Officer- Pamoja Banking has the responsibility to manage and coordinate all the groups under him/her to ensure the bank’s goals and objectives are achieved.

Job Responsibilities:

Stakeholder Engagement and Outreach:

• Hold consultative meetings with stakeholders (e.g., Chiefs, market opinion leaders) to arrange meetings with potential clients (groups).
• Prepare keynote messages for forums to promote the Pamoja banking value proposition.
• Manage inquiries on Pamoja banking at the branch and in the marketplace.

Group Onboarding and Training:

• Identify and select qualifying groups from the market.
• Support groups in registering with relevant government offices and obtaining KYC documents for account opening.
• Set up group structures, maintain records, and train group officials. o Conduct pre-registration and post-registration training for groups.
• Deliver training to group members at their convenience.

Deposit Mobilization and Documentation:

• Enforce weekly savings contributions and ensure proper documentation at the group level (e.g., treasurer’s ledger, group minutes, passbooks).
• Mobilize deposits through weekly savings collections.

Loan Processing and Compliance:

• Conduct business and home visits to verify borrowers’ ability to pay, collect financial information, and confirm securities pledged.
• Compile credit proposals for discussion at the Branch Credit Committee (BCC) and present group client requests for approval
• Onboard groups and group members in the IGLS system and generate relevant reports.
• Initiate group loan requests and manage end-of-day postings in the IGLS system.
• Perform data cleanup of exited and dormant customers from the IGLS system.
• Ensure compliance with credit policies and train branch staff on any amendments in the Pamoja banking product offering.

Portfolio and Relationship Management: 

• Manage and maintain the quality of the loan book through post-disbursement visits, weekly collection of savings and loan payments, and enforcing co-guarantee mechanisms in groups.
• Establish working group structures and enforce the five pillars of stable groups.
• Ensure timely loan approval and disbursement within SLAs.

Customer Recruitment and Segment Growth:

• Recruit new-to-bank customers and actualize segment partnership objectives to align with sector growth objectives.

Qualifications

Qualifications and Experience: 

• University degree in a Business-Related Course, Education, Social Sciences or Diploma in business related course.
• Overall C+ in KCSE and C+ in mathematics
• 2-3 Years’ experience
• Sales experience is an added advantage.
• Experience in micro finance industry is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Computer literacy with high command in Microsoft suite.

Key Skills and Competencies:

• Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
• Excellent business relationship management skills and business closure techniques.
• Ability to develop, plan, execute and implement according to laid business strategies.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills
• Strong communication, presentation, and negotiation skills
• Strong analytical and problem-solving skills

Job Purpose:

Reporting to the Relationship Manager Business, the Relationship Officer – Biashara Banking has the responsibility to manage and coordinate all the Micro businesses under him/her to ensure the bank goals and objectives are achieved.

Key Responsibilities:

• Onboarding and Customer Management:
  • Onboard retailers and customers across various Ecosystem value chains and digital platforms (PWE, EAZZY APP, etc.).
  • Identify prospective leads and recruit new customers.
  • Conduct outreach and manage relationships for customer retention.
  • Utilize existing partnerships to expand the customer base.
• Loan Processing and Compliance:
  • Guide customers through the loan application process, including business and home visits to verify financial information and securities.
  • Ensure timely loan approval and disbursement within SLAs.
  • Present client requests for approval and manage security perfection and disbursement.
  • Initiate recovery processes for overdue accounts.
• Marketing and Sales:
  • Conduct marketing outreach to onboard new customers.
  • Cross-sell and upsell bank products.
  • Recruit ecosystems by leveraging established relationships.
• Training and Policy Adherence:
  • Train branch staff on Biashara Banking lending policies, procedures, and new products.
  • Ensure compliance with credit policies and act as the custodian of bank policy in the branch.
• Customer Service and Support:
  • Provide high-standard customer service, fast-track loan processes, and give prompt feedback on loan requests.
  • Liaise with internal and external stakeholders in the branch environment.
  • Mobilize clients for financial literacy training and guide them on maintaining proper records.
• Portfolio and Relationship Management:
  • Maintain an up-to-date portfolio management toolkit for efficient customer follow-up.
  • Conduct post-disbursement visits and baseline all customers.
• Deposit Mobilization and Documentation:
• Mobilize deposits

Qualifications

• University degree holder with preference in Education, Social sciences, or Business-related field.
• Overall mean grade of C+ in KCSE
• 3-4 Years’ experience
• Experience in micro finance industry is an added advantage.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Sales experience is an added advantage.
• Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
• Excellent business relationship management skills and business closure techniques.
• Ability to develop, plan, execute and implement according to laid business strategies.
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong training /coaching skills.
• Strong communication, presentation, and negotiation skills.
• Strong analytical and problem-solving skills.

If you meet the above qualification, kindly submit your application online. Attach a copy of your first-degree certificate, and KCSE certificate and national ID.

Job Purpose: 

This role is responsible for supporting the branch to cross sell and increase the uptake of Insurance products through collaborating with the team to identify opportunities and move them forward into placement of covers, in line with the overall strategy of Equity.

Key Responsibilities: 

• Train the branch staff on the insurance products being distributed by EBIL.
• Cross-sell the insurance products to the customers who are consuming the other bank products
• Ensuring that the existing insurance business is renewed at the right time. Expected Renewal Target will be minimum 85% every month.
• Achieve the expected periodical insurance business growth in the branch.
• Achieving the expected business portfolio mix across different classes of insurance.
• Join branch staff on marketing drives to sensitize customers on insurance products on offer.
• Assist branch particularly credit department to de-risk lending by obtaining relevant insurance policies for the various assets being financed by the Bank or being used as collateral.
• Overseeing proper filing of customer insurance records and documents in the branch.
• Assist the branch customers in documentation and processing of their insurance claims in collaboration with HO Claims Department.
• Enforce compliance on all insurance policies and procedures at the branch.
• Support the branch in any other area as may be requested by the branch management.
• Support the HO Bancassurance Team in projects implementation as requested from time to time.

Qualifications

Qualifications and Experience

• Bachelor’s degree in, Insurance or a Business-related degree. A Diploma in Insurance will be considered.
• A Certificate of Proficiency (COP) in Insurance
• 2-3 Years’ experience in marketing or insurance sales
• Strong knowledge of compliance and regulatory requirements in both banking and insurance sectors.
• Sales experience is an added advantage.

Key Competencies & Skills

• Good Interpersonal skills
• Excellent communication skills
• Relationship management capabilities
• Highly organized and detail orientated.
• Demonstrate alignment with Equity culture and values