Responsibilities include executing a range of tasks and duties associated with the position, ensuring alignment with organizational goals and objectives. Key accountabilities encompass managing day-to-day operations, collaborating with cross-functional teams, and fostering a productive work environment. The role demands adherence to established policies and procedures while delivering high-quality results in a timely manner. Additionally, the position requires effective communication with stakeholders, problem-solving to address challenges, and continuous improvement of processes to enhance efficiency and performance.
Develop and implement a targeted retail strategy by identifying key customer segments, product offerings, channels, and distribution models, all within the established risk tolerance framework.
Strategically lead and oversee the branch network to foster growth in deposits, high-quality lending, customer acquisition, and transaction volumes.
Spearhead the financial performance of Retail Banking by elevating profitability, expanding deposits and lending, and optimizing operational efficiency to meet established business targets.
Demonstrate consistent attainment of individual performance targets while contributing to the realization of Retail Banking business objectives, in accordance with the Bank’s established performance management framework.
Drive disciplined growth in retail lending while maintaining full accountability for portfolio quality, overseeing initiatives to reduce non-performing loans (NPLs), enhance recoveries, execute restructures, and implement portfolio remediation strategies.
Enhance credit underwriting standards, portfolio oversight, early warning mechanisms, and risk management controls to avert the recurrence of historical asset quality challenges.
Establish and uphold rigorous performance benchmarks for Branch Managers and Retail teams, encompassing key areas such as sales targets, service excellence, regulatory compliance, operational efficiency, and risk mitigation.
Deliver strategic initiatives focused on operational efficiency, process automation, channel migration, and cost optimization to enhance productivity and minimize cost-to-serve.
Ensure strict adherence to all Central Bank of Kenya (CBK) regulations, internal policies, audit prerequisites, and governance benchmarks within the Retail Banking division.
Direct the Retail Banking teams toward excellence by cultivating a performance-driven, responsible, customer-focused, and risk-conscious organizational culture.
Identify strategic growth opportunities and collaborate with marketing and product development teams to develop, price, and introduce customized products and services for both retail and high-value customers. Additionally, track and evaluate the performance of these offerings to ensure alignment with business objectives.
Collaborate closely with branch managers to develop and execute strategic initiatives aimed at restoring profitability to underperforming branches.
Performs additional responsibilities as assigned by management from time to time.
Applicants must possess a bachelor’s degree in a related field, along with a minimum of three years of relevant professional experience. Proficiency in industry-standard software applications and strong analytical skills are essential. Exceptional written and verbal communication abilities, coupled with the capacity to collaborate effectively in team settings, are required. The successful candidate will demonstrate a commitment to continuous learning and adaptability in a dynamic work environment.
A bachelor’s degree in business, finance, economics, or an equivalent field is required.
A master’s degree, such as an MBA or an equivalent qualification, along with relevant professional certifications, would be advantageous.
A minimum of 12 years of professional experience in the banking sector is required, including at least five years in a senior management capacity.
Strategic and commercial insight are essential for this role, requiring a keen ability to analyze market trends and drive business growth through data-driven decision-making. Candidates must demonstrate a deep understanding of competitive landscapes and the capacity to translate complex commercial challenges into actionable strategies. Proficiency in evaluating financial performance, identifying revenue opportunities, and optimizing operational efficiencies is critical. Additionally, the ideal candidate will possess strong leadership skills to align cross-functional teams with organizational objectives and foster a culture of innovation and collaboration.
Seasoned professionals with proven abilities in guiding teams and overseeing collaborative efforts are encouraged to apply. This role requires exceptional leadership skills to direct and inspire cross-functional teams toward achieving organizational goals. Candidates must demonstrate a strong track record in team management, fostering a positive work environment, and driving performance through clear communication and strategic decision-making. Proficiency in conflict resolution, delegation, and talent development is essential to ensure team cohesion and productivity.
Delivers measurable outcomes with a strong sense of ownership and responsibility for results. Consistently meets or exceeds performance objectives while maintaining high standards of accountability for actions and outcomes. Drives results through proactive problem-solving and a commitment to continuous improvement.
Accomplishes stakeholder engagement and drives influence through strategic relationship-building and effective communication techniques.
Maintains a strong awareness of risks and ensures decisions are made with sound judgment.
Applications must be submitted online through the provided link, with a closing date of May 29, 2026. Only those who are shortlisted will receive further communication.
Qualifications
BA/BSc/HND , MBA/MSc/MA
Experience Required
12 years
