The role encompasses a comprehensive set of duties and responsibilities, including but not limited to managing daily operations, overseeing team performance, and ensuring adherence to company policies. Key tasks involve coordinating project timelines, facilitating cross-departmental collaboration, and maintaining high standards of quality across all deliverables. Additionally, the position requires regular reporting on progress, identifying areas for improvement, and implementing strategic solutions to enhance productivity and efficiency. Strong leadership, exceptional communication skills, and a proactive approach to problem-solving are essential for success in this role.
Develop and implement a targeted retail strategy that encompasses key customer segments, product offerings, sales channels, and distribution methodologies, all within the predefined risk tolerance framework.
Provide strategic direction and management for the branch network to enhance deposit growth, quality lending, customer acquisition, and transaction volumes.
Deliver measurable improvements in Retail Banking financial outcomes by expanding profitability, increasing deposits and lending volumes, and enhancing operational efficiency to align with established business objectives.
Deliver consistent, individual performance aligned with established targets while advancing Retail Banking business goals in accordance with the Bank’s performance management framework.
Drive disciplined expansion of the retail lending portfolio while maintaining rigorous accountability for portfolio integrity, which includes minimizing non-performing loans, optimizing recovery efforts, implementing restructures, and executing portfolio remediation initiatives.
Enhance credit underwriting standards, portfolio monitoring processes, early warning systems, and risk controls to mitigate the recurrence of historical asset quality issues.
Establish and uphold rigorous performance benchmarks for Branch Managers and Retail teams, encompassing critical areas such as sales targets, service excellence, regulatory adherence, operational efficiency, and risk mitigation.
Drive operational efficiency, automate critical processes, migrate key channels, and optimize costs to enhance productivity while reducing the overall cost-to-serve.
Ensure complete adherence to CBK regulations, internal policies, audit mandates, and governance frameworks throughout the Retail Banking division.
Drive the Retail Banking teams to achieve excellence by cultivating an environment of high performance, accountability, customer focus, and risk consciousness.
Identify potential areas for growth and collaborate with marketing and product development teams to develop, price, and introduce customized products and services for retail and high-value customers while tracking their performance.
Partner with branch managers to develop and execute strategic initiatives aimed at revitalizing branches that are currently operating at a loss.
Performs additional duties as required or assigned on an ongoing basis.
Applicants must meet the following essential qualifications, skills, and experience to be considered for this role. A minimum of [X] years of relevant professional experience in [specific field or industry] is required, along with proficiency in [specific software, tools, or technical skills]. Strong analytical, problem-solving, and communication abilities are also necessary, as the role involves [key responsibility or task]. Additionally, candidates should possess [specific certification, degree, or license], if applicable, and demonstrate a track record of [relevant accomplishment or skill]. Familiarity with [industry-specific standards or practices] is advantageous.
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 professional qualifications, can enhance your candidacy.
A minimum of twelve years of banking experience is required, including at least five years in a senior management capacity.
Strategic and commercial insight are essential for this role, requiring a deep understanding of market dynamics, competitive positioning, and revenue optimization to drive sustainable growth. Candidates should possess a proven ability to analyze complex business challenges, identify high-value opportunities, and translate insights into actionable strategies that enhance profitability and market share. Strong analytical skills, coupled with a forward-thinking mindset, are crucial for navigating evolving industry landscapes and aligning business objectives with evolving customer needs.
Seasoned professionals adept at guiding teams and driving collective success through strategic leadership and cohesive team management thrive in this role. The position demands a proven ability to inspire and motivate diverse teams, fostering a collaborative environment where each member contributes optimally. Key responsibilities include setting clear objectives, delegating tasks effectively, and ensuring alignment with organizational goals while nurturing professional growth and accountability within the team. Candidates must demonstrate strong interpersonal skills, emotional intelligence, and the capacity to resolve conflicts constructively to maintain a high-performing and engaged workforce.
Achieves measurable outcomes through a strong focus on results and maintains high standards of accountability for all actions and decisions.
Effective stakeholder engagement and the ability to exert influence are essential for this role.
Possessing a keen understanding of risks and the ability to make well-informed, prudent decisions.
Applicants are required to submit their applications exclusively through the provided online portal, with a submission deadline set for May 29, 2026. Notification will only be extended to candidates who are selected for further consideration.
Qualifications
BA/BSc/HND , MBA/MSc/MA
Experience Required
12 years
