Responsibilities include developing and implementing strategic plans to enhance operational efficiency, overseeing cross-functional teams to ensure project alignment with organizational objectives, and conducting comprehensive performance evaluations to identify areas for improvement. Key duties encompass managing budget allocations, fostering a collaborative work environment, and ensuring compliance with regulatory standards. Additionally, the role demands proficiency in data analysis to monitor progress, facilitate decision-making, and provide actionable insights to senior leadership. Strong leadership, exceptional communication skills, and the ability to drive innovation are essential requirements for this position.
Develop and implement a targeted retail strategy encompassing key customer segments, product offerings, sales channels, and distribution frameworks—all within the defined risk parameters.
Offer strategic direction and comprehensive management of the branch network to foster growth in deposits, enhance lending quality, acquire new customers, and increase transaction volumes.
Deliver sustainable financial performance for Retail Banking by enhancing profitability, increasing deposits and lending volumes, and optimizing operational efficiency to meet established business objectives.
Achieve predetermined individual performance targets and fulfill Retail Banking business objectives in accordance with the Bank’s performance management framework.
Maintain disciplined expansion of retail lending while upholding strict accountability for portfolio performance, with a specific focus on lowering non-performing loans, enhancing recoveries, implementing effective restructures, and executing portfolio remediation initiatives.
Enhance credit underwriting standards, portfolio monitoring practices, early warning systems, and risk controls to mitigate the potential recurrence of historical asset quality challenges.
Establish and uphold rigorous performance benchmarks for Branch Managers and Retail teams, addressing critical areas such as sales performance, service excellence, regulatory compliance, operational productivity, and risk mitigation.
Deliver impactful initiatives focused on operational efficiency, process automation, channel migration, and cost optimization to enhance productivity while reducing the cost-to-serve ratio.
Deliver complete adherence to CBK regulations, internal policies, audit mandates, and governance standards within the Retail Banking division.
Drive Retail Banking teams to excel by cultivating a culture of high performance, accountability, customer focus, and risk awareness while providing leadership and motivation to foster professional growth.
Identify potential avenues for growth and collaborate with the marketing and product development teams to conceptualize, price, and introduce customized products or services aimed at retail and high-value clients; subsequently, evaluate their performance.
Collaborate with branch managers to develop and execute strategic initiatives aimed at improving the performance of underperforming branches and restoring their profitability.
Additional responsibilities may be assigned at any time as needed.
Applicants must meet the following essential qualifications, skills, and experience criteria to be considered for this position.
A bachelor’s degree in business, finance, economics, or a closely related discipline is required.
A master’s degree, such as an MBA or equivalent, along with relevant professional qualifications, is highly beneficial.
A minimum of twelve years of banking experience is required, with no less than five of those years spent in a senior management position.
Strategic vision paired with a strong commercial mindset enables the identification and pursuit of high-impact opportunities, ensuring sustainable growth and competitive advantage.
To excel in this role, candidates must demonstrate strong leadership capabilities and the ability to effectively manage and motivate teams. Proficiency in guiding team members toward shared objectives, fostering collaboration, and resolving conflicts is essential. Additionally, the ideal candidate will possess excellent communication skills to ensure clarity in expectations and alignment with organizational goals.
Results orientation and accountability are essential for driving performance, ensuring that objectives are met with precision and efficiency. This role demands a steadfast commitment to achieving measurable outcomes while maintaining high standards of responsibility and ownership over assigned tasks. Individuals must demonstrate the ability to prioritize goals, track progress meticulously, and take decisive action to overcome challenges. By fostering a culture of accountability, the position contributes to the organization’s success through consistent delivery of results and adherence to performance expectations.
Proven ability to manage and engage stakeholders effectively, fostering strong relationships and driving alignment across key decision-makers. Demonstrates exceptional interpersonal and negotiation skills to influence outcomes, resolve conflicts, and secure buy-in for organizational initiatives. Adept at communicating complex ideas clearly, tailoring messages to diverse audiences, and navigating competing priorities to achieve mutually beneficial results.
Individuals must possess a strong aptitude for identifying potential risks and making well-informed, prudent choices.
All applicants are required to submit their applications online through the provided link, with the submission deadline set for May 29, 2026. Only those who meet the selection criteria and are shortlisted will receive further communication.
Qualifications
BA/BSc/HND , MBA/MSc/MA
Experience Required
12 years
