Relationship Officer – Personal Banking
Equity Bank is hiring a Relationship Officer – Personal Banking to join its high-performing credit division in Kenya. This is a fantastic opportunity for individuals passionate about financial services, customer engagement, and inclusive banking. If you are looking for careers at Equity Bank or searching for banking jobs in Kenya, this could be your next step toward professional growth.
Key Job Information
- Position: Relationship Officer – Personal Banking
- Location: Kenya
- Employment Type: Full-Time
- Experience Level: Mid-Level
- Salary Range: Competitive and performance-based
About Equity Bank
Equity Bank stands as a leading financial institution in East and Central Africa, well-regarded for its commitment to economic empowerment and social transformation. With its headquarters in Kenya, Equity Bank serves over 12 million customers—making it the largest customer base of any financial institution on the African continent. The bank operates in six African countries including Uganda, Tanzania, Rwanda, South Sudan, and the Democratic Republic of Congo.
Founded on the belief that access to financial services should not be a privilege, Equity Bank has built a strong reputation for innovation, accessibility, and community empowerment. It continues to champion modern banking through digital transformation, inclusive lending products, and strategic partnerships. The organization values integrity, performance excellence, and impact-driven service delivery.
Job Description
Reporting to the Relationship Manager – Business, the Relationship Officer – Personal Banking will be instrumental in driving loan growth, deposit mobilization, customer onboarding on digital platforms, and providing tailored insurance and financial solutions. The successful candidate will serve as a trusted advisor to clients and institutions, ensuring that their financial needs are met with efficiency and professionalism.
This role requires proactive customer engagement, strategic marketing, and close collaboration with internal teams to ensure seamless financial service delivery. Candidates seeking job opportunities at Equity Bank and who are passionate about relationship management in the banking industry will find this role both rewarding and impactful.
Key Responsibilities
Customer Onboarding & Digital Integration
- Onboard new customers onto the bank’s digital platforms, ensuring smooth transitions and full functionality.
- Provide digital training sessions to enhance customer engagement and service utilization.
Client Acquisition & Institutional Marketing
- Conduct institutional visits and relationship-building with private institutions, NGOs, parastatals, and government bodies.
- Organize and participate in strategic marketing initiatives such as county-based drives and educational forums.
Credit Analysis & Loan Processing
- Facilitate loan approvals and ensure disbursements are done within the bank’s service level agreements (SLAs).
- Evaluate financial documents and risk profiles for customer and institutional loan applications.
- Prepare loan documentation for review by the Branch Credit Committee (BCC).
- Guide clients through the loan contract signing process, addressing any risks or terms.
Post-Disbursement Monitoring & Arrears Management
- Engage customers in timely follow-ups to manage loan repayments and reduce arrears.
- Conduct post-disbursement visits to ensure proper utilization and client satisfaction.
Customer Relationship Management
- Advise clients on suitable loan products tailored to their financial needs and objectives.
- Address customer issues promptly and follow through to resolution to ensure satisfaction.
- Build and maintain long-term relationships with customers to promote loyalty and cross-selling opportunities.
Deposit Mobilization & Documentation
- Develop and execute strategies to increase customer deposits and support branch targets.
- Ensure all account opening and loan documentation are accurate and compliant.
Required Qualifications
- Bachelor’s degree in Business, Education, Social Sciences, or a related field
- KCSE mean grade of C+ (with at least a C+ in Mathematics)
- 2–3 years of relevant professional experience
- Previous experience in sales or field marketing is a strong advantage
- Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
Preferred Qualifications
- Project management or monitoring and evaluation experience
- Training or coaching experience, especially in financial services
- Fluency in both English and Swahili with strong report-writing skills
Benefits and Compensation
Equity Bank offers a competitive compensation package that reflects its commitment to attracting and retaining top talent. Benefits include:
- Performance-based bonuses and incentives
- Comprehensive medical insurance for staff and dependents
- Opportunities for career advancement through structured learning programs
- Access to staff banking facilities at preferential rates
- Supportive and inclusive work environment aligned with Equity’s core values
How to Apply
If you are ready to take your career in banking to the next level and make an impact in communities across Kenya, this is your chance. Qualified candidates are encouraged to apply via Equity Bank’s official career portal. Ensure your application includes a detailed CV and cover letter tailored to the Relationship Officer – Personal Banking role.
Application Deadline: Open until position is filled
For more job opportunities at Equity Bank and updates on new roles in the finance sector, visit the Equity Bank Careers Portal.
