Background information about the job or company

Banking Jobs, Equity Bank Jobs. Looking for a banking job in Kenya? Equity Bank is hiring a Relationship Officer – Pamoja Banking skilled in relationship management, community banking, and portfolio growth.

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.

Responsibilities or duties

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.
• 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 or requirements

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

• 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.
• 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.
• Conduct pre-registration and post-registration training for groups.
• Deliver training to group members at their convenience.
• 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.
• 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.
• 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.
• Recruit new-to-bank customers and actualize segment partnership objectives to align with sector growth objectives.

• 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
• Computer literacy with high command in Microsoft suite.

• 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.