Relationship Officer- Pamoja Banking

Equity Bank Relationship Officer – Pamoja Banking is a contractual entry-level banking job in Kenya designed for professionals seeking to build a career in microfinance, group lending, and relationship management. Equity Bank is actively recruiting a Relationship Officer – Pamoja Banking in Kenya to support branch-level growth through inclusive financial services, customer acquisition, and portfolio quality management within the Pamoja Banking sector.

Key Job Information

• Position: Relationship Officer – Pamoja Banking
• Organization: Equity Bank Kenya
• Department: Credit
• Location: Kenya (Branch-based role)
• Employment Type: Contractual
• Job Level: Entry Level
• Job Shift: Day Job
• Reports To: Branch Business Growth & Development Manager / Relationship Manager Business
• Posted On: January 7, 2026

About Equity Bank

Equity Bank is one of Africa’s leading financial institutions, widely recognized for transforming lives and livelihoods through inclusive banking, microfinance solutions, and innovative financial services. With operations in Kenya, Uganda, Tanzania, Rwanda, South Sudan, and the Democratic Republic of Congo, Equity Bank serves over 12 million customers, making it the largest customer-based bank in Africa.

Equity Bank’s mission is centered on social and economic empowerment by providing accessible financial products to individuals, groups, SMEs, and underserved communities. Through flagship products such as Pamoja Banking, the bank supports community-driven development, entrepreneurship, and sustainable economic growth across Kenya.

Relationship Officer – Pamoja Banking Role Overview

The Relationship Officer – Pamoja Banking plays a critical role in executing Equity Bank’s group lending and microfinance strategy at the branch level. This position focuses on recruiting, onboarding, training, and managing customer groups while ensuring portfolio growth, credit quality, and compliance with Equity Bank credit policies.

This entry-level banking opportunity in Kenya is ideal for candidates passionate about community banking, customer relationship management, credit administration, and financial inclusion. The role involves extensive field engagement, stakeholder collaboration, and continuous interaction with group clients.

Key Responsibilities

• Conduct stakeholder engagement and community outreach with chiefs, opinion leaders, and market influencers to mobilize and recruit qualifying groups.
• Prepare and deliver presentations promoting the Pamoja Banking value proposition to potential group clients.
• Manage all branch and market inquiries related to Pamoja Banking products.
• Identify, evaluate, and onboard qualifying microfinance and group lending clients.
• Support groups with registration at relevant government offices and facilitate KYC documentation for account opening.
• Establish group governance structures, maintain accurate records, and train group officials.
• Conduct pre-registration and post-registration training sessions for group members at convenient locations.
• Mobilize deposits through enforced weekly savings contributions and maintain proper financial documentation.
• Carry out business and home visits to assess borrower repayment capacity and validate pledged securities.
• Compile and present credit proposals to the Branch Credit Committee (BCC).
• Onboard group clients onto the IGLS system, generate reports, and manage end-of-day postings.
• Ensure credit policy compliance and train branch staff on updates to Pamoja Banking products.
• Manage loan portfolio quality through post-disbursement visits, collections, and enforcement of co-guarantee mechanisms.
• Recruit new-to-bank customers to support segment growth and partnership objectives.

Required Qualifications

• University degree in a business-related course, education, or social sciences, or a diploma in a business-related field.
• Minimum KCSE mean grade of C+ with C+ in Mathematics.
• At least 2–3 years of relevant work experience.
• Strong computer literacy with proficiency in the Microsoft Office Suite.
• Demonstrated ability in customer relationship management and field-based operations.

Preferred Qualifications

• Previous sales experience within banking or financial services.
• Experience in the microfinance industry or group lending environments.
• Exposure to project management, monitoring, and evaluation.
• Understanding of credit analysis and loan portfolio management.

Key Skills and Competencies

• Strong business relationship management and customer engagement skills.
• Excellent communication, presentation, and negotiation abilities.
• High levels of creativity, ingenuity, and problem-solving.
• Proven training and coaching skills for group-based learning.
• Ability to plan, execute, and implement strategies aligned with banking growth objectives.
• Strong interpersonal and conflict resolution skills.
• Sound analytical skills with attention to portfolio quality and risk management.

Benefits and Career Growth

• Opportunity to build a career with a leading bank in Kenya.
• Hands-on experience in microfinance, group lending, and inclusive banking.
• Professional development through continuous training and field exposure.
• Supportive work environment focused on financial inclusion and community impact.
• Clear pathways for growth within Equity Bank careers.

How to Apply for This Relationship Officer – Pamoja Banking Position

Interested candidates seeking a Relationship Officer – Pamoja Banking job at Equity Bank should apply using the Apply Now button below. This opportunity is ideal for individuals looking to start or grow a career in banking, credit management, and microfinance in Kenya.

Equity Bank is an equal opportunity employer committed to diversity, inclusion, and the empowerment of communities across Africa.