The Relationship Officer - Biashara Banking role is based at Equity Bank Limited (The "Bank”), which is incorporated and registered under the Kenyan Companies Act Cap 486 and domiciled in Kenya. The Bank is licensed under the Kenya Banking Act (Chapter 488) and offers retail banking, microfinance, and related services.
This position is focused on developing and managing the Biashara Banking portfolio, ensuring customer acquisition, loan quality, and compliance.
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 Service Level Agreements (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:
Qualifications and Skills
Qualifications:
- University degree holder with preference in Education, Social Sciences, or Business-related field (BA/BSc/HND).
- Overall mean grade of C+ in KCSE.
- 3-4 Years’ experience.
- Experience in micro finance industry is an added advantage.
- Experience in project management; Monitoring and evaluation is an added advantage.
- Sales experience is an added advantage.
Required Skills and Attributes:
- 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.
