Head of Retail Banking
Make a meaningful difference in people’s financial security. At Credit Bank, we are committed to solutions that protect what matters most. We are looking for a Head of Retail Banking to drive sustainable growth in deposits, lending, and customer relationships while ensuring profitability, operational efficiency, portfolio quality, regulatory compliance, and exceptional customer experience.
Deadline: 29th May 2026.
DUTIES AND RESPONSIBILITIES
- Define and execute a focused retail strategy covering target customer segments, products, channels, and distribution models within approved risk appetite.
- Provide strategic leadership and oversight of the branch network to drive growth in deposits, quality lending, customer acquisition, and transaction volumes.
- Drive Retail Banking financial performance through growth in profitability, deposits, lending, and operational efficiency in line with business targets.
- Meet agreed individual performance targets and ensure achievement of Retail Banking business objectives in line with the Bank’s performance management framework.
- Ensure disciplined retail lending growth and full accountability for portfolio quality, including reduction of NPLs, recoveries, restructures, and portfolio remediation.
- Strengthen credit underwriting standards, portfolio monitoring, early warning systems, and risk controls to prevent recurrence of legacy asset quality issues.
- Set and enforce clear performance standards for Branch Managers and Retail teams covering sales, service delivery, compliance, productivity, and risk management.
- Drive operational efficiency, process automation, channel migration, and cost optimization initiatives to improve productivity and reduce cost-to-serve.
- Ensure full compliance with CBK regulations, internal policies, audit requirements, and governance standards across the Retail Banking function.
- Lead, motivate, and develop Retail Banking teams by fostering a high-performance, accountable, customer-centric, and risk-aware culture.
- 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.
- Work with branch managers to strategize and ensure turnaround of loss-making branches.
- Any other duties as may be assigned from time to time.
MINIMUM QUALIFICATIONS, SKILLS AND EXPERIENCE REQUIRED
- Bachelor’s degree in business, Finance, Economics, or a related field.
- Master’s degree (MBA or equivalent) and/or professional qualifications are an added advantage.
- Minimum of 12 years’ Banking experience, with at least 5 years at senior management level.
- Strategic and commercial acumen
- Leadership and team management
- Results orientation and accountability
- Stakeholder management and influencing skills
- Risk awareness and sound decision-making