The Head of Retail Banking is responsible for defining and executing a focused retail strategy covering target customer segments, products, channels, and distribution models within approved risk appetite. The role holder will provide strategic leadership and oversight of the branch network to drive growth in deposits, quality lending, customer acquisition, and transaction volumes.
Duties and Responsibilities
Strategy Execution: Define and execute a focused retail strategy covering target customer segments, products, channels, and distribution models within approved risk appetite.
Leadership & Branch Oversight: Provide strategic leadership and oversight of the branch network to drive growth in deposits, quality lending, customer acquisition, and transaction volumes.
Financial Performance: Drive Retail Banking financial performance through growth in profitability, deposits, lending, and operational efficiency in line with business targets.
Performance Management: Meet agreed individual performance targets and ensure achievement of Retail Banking business objectives in line with the Bank’s performance management framework.
Credit & Portfolio Quality: Ensure disciplined retail lending growth and full accountability for portfolio quality, including reduction of NPLs, recoveries, restructures, and portfolio remediation.
Underwriting Standards: Strengthen credit underwriting standards, portfolio monitoring, early warning systems, and risk controls to prevent recurrence of legacy asset quality issues.
Standards & Enforcement: Set and enforce clear performance standards for Branch Managers and Retail teams covering sales, service delivery, compliance, productivity, and risk management.
Operational Efficiency: Drive operational efficiency, process automation, channel migration, and cost optimization initiatives to improve productivity and reduce cost-to-serve.
Compliance: Ensure full compliance with CBK regulations, internal policies, audit requirements, and governance standards across the Retail Banking function.
Team Development: Lead, motivate, and develop Retail Banking teams by fostering a high-performance, accountable, customer-centric, and risk-aware culture.
Product Development: Identify growth opportunities and work with the marketing and product development team to design, price, and launch tailored products/services for retail and high-value customers; and monitor their performance.
Branch Turnaround: Work with branch managers to strategize and ensure turnaround of loss-making branches.
Other Duties: Any other duties as may be assigned from time to time.
How to Apply
All applicants MUST apply online via Microsoft Forms. To submit your application, please go to the Credit Bank Application Page.
The closing date for applications is 29th May 2026. Only shortlisted candidates will be contacted.
