Head, Personal Banking

Job Description

KEY RESPONSIBILITIES:

• Provides strategic leadership by defining and executing the Personal Banking strategy in alignment with Retail and corporate goals to drive sustainable business growth.
• Oversees product and service management to ensure offerings remain competitive, compliant, and customer-focused while promoting digital innovation.
• Achieving sales and profitability targets through customer acquisition, retention, and delivery of superior service experiences.
• Ensures strong risk and compliance management by adhering to regulatory standards and maintaining sound credit and operational controls.
• Leading and developing the Personal Banking team, fostering a high-performance culture, and engaging stakeholders to strengthen partnerships and results.

DAILY RESPONSIBILITIES:

• Define and execute the Personal Banking strategy in alignment with overall Retail and corporate objectives.
• Drive business growth by expanding market share, deepening customer relationships, and optimizing product offerings.
• Monitor market trends and competitor activities to position Personal Banking as a leading provider of consumer financial services.
• Oversee development, enhancement, and delivery of personal banking products and services to meet customer needs.
• Ensure products remain competitive, compliant, and aligned with customer value propositions.
• Promote digital adoption and innovation in service channels to enhance customer experience.
• Lead sales initiatives to deliver revenue targets and profitability for the Personal Banking portfolio.
• Drive customer acquisition, retention, and cross-selling opportunities.
• Champion superior service standards to ensure consistent, high-quality customer experiences.
• Ensure compliance with regulatory requirements, internal policies, and risk management frameworks.
• Oversee credit and operational risk management within the Personal Banking portfolio.
• Implement proactive measures to safeguard the bank’s reputation and financial integrity.
• Provide leadership, guidance, and development opportunities to the Personal Banking team.
• Build a performance-driven culture that fosters accountability and collaboration.
• Engage with internal and external stakeholders to strengthen partnerships and deliver sustainable results.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

• Education     Bachelor’s Degree    Business or any relevant degree    RQ
• Professional Qualifications    Project management or business field    AA
• Master’s Degree    Business Administration    AA

Experience

• Total Minimum No of Years Experience Required    10 years

Detail    Minimum No of Years    Need Type[2]

• Experience Area 1 (Sales)    8    ES
• Experience Area 1 Credit    8    ES
• Experience Area 2 (Banking Operations    6    ES
• Experience Area 3 (Relationship management)    8    ES
• Customer Service    8    ES