This role involves serving as the Biashara Banking Quality Manager, critical for maintaining the quality and driving the growth of the bank's micro business portfolio. The manager is responsible for strategic alignment, compliance enforcement, risk mitigation, fostering a high-performance culture, and ensuring exceptional customer service within the sector.
Key Responsibilities
Quality Management of Biashara Banking Portfolio
- Oversee Micro business growth in line with the bank strategy (“BIMSI”).
- Maintain the sector Portfolio at Risk (PAR) as per the set targets.
- Ensure 100% compliance with bank policies and procedures.
- Contribute to the formulation of the Sector’s strategy and ensure full implementation.
Stakeholder Management
- Build strong relationships with key stakeholders, including risk management, operations, and technology teams, to gather input, align goals, and drive collaboration to ensure a good quality asset portfolio.
- Follow up on disposal of assets and ensure facilities under litigation are followed up and closed on in liaison with legal and Debt Recovery Unit.
- Provide regular updates on Biashara banking product quality performance, roadmap, and strategic initiatives to improve quality to the Head of Sector.
- Credit Reference Bureaus (CRBs): Act as the quality sector champion required to check and confirm branch recommendations on all customers due for listing with CRB’s are listed, and verify if reasons given warrant exemption from listing before necessary sign-off.
Risk Management and Compliance
- Collaborate with risk management and compliance teams to ensure Biashara banking sector products comply with regulatory guidelines and internal policies.
- Monitor and mitigate all-related risks, including credit risk, operational risk, and fraud risk, through robust risk assessment and mitigation strategies.
- Stay updated on industry best practices, regulatory changes, and emerging risks in the retail space, proactively implementing necessary adjustments.
Performance Management
- Build and develop a high-performance culture amongst team members through embedding performance development and coaching.
- Provide leadership and ensure total team engagement.
- Measure and evaluate staff performance against key performance indicators.
Customer Service
- Ensure high standard of customer service, create and maintain lasting business relationships and partnerships with both new and existing clients.
- Enforce service delivery within the stipulated Service Level Agreements (SLAs).
- Act as a brand ambassador of Equity Bank in the market.
Mentorship and Coaching
- Ensure continuous training, mentorship, and capacity building for all team members.
- Conduct talent identification and alignment to available opportunities.
- Identify staff gaps, manage new staff acquisition, training, and deployment to branches.
Other Roles
- Liaise with various Sector internal and external Stakeholders in the Bank.
- Advise the Segment Head - Biashara Banking.
- Perform any other duties as may be assigned by the Regional General Manager and Segment head.
Education and Qualifications
- Bachelor’s Degree from a recognized University.
- 8+ years’ work experience in credit.
- Excellent understanding of micro finance industry practices.
- Exhibits an exceptional degree of creativity and resourcefulness.
- Guides and transfers knowledge to his/her team.
- Excellent business relationship management skills and business closure techniques.
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