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