Equity Bank Kenya

Banking + 2 more

Relationship Officer - Biashara Banking

Job details

Contract Type

Description

Job 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 (selling experience) in the financial services sector
  • Experience in micro finance industry is an added advantage.
  • Experienced in project management; Monitoring and evaluation 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.


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:

o Mobilize deposits


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