Gulf African Bank – Head of Banking.

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Reports to: Deputy Chief Executive Officer – Head of Banking

Job Purpose

To drive business, develop and implement efficient and effective business acquisition, growth and retention strategies for Retail banking with a focus on products, channels, Customer value proposition and strategic partnerships to ensure that the Bank’s bottom line is enhanced.

KEY RESPONSIBILITIES

  • Deliver exceptional Retail business performance through setting strategic, short term and medium term goals and driving their implementation to achieve excellent results
  • Ensure the strategic plan objectives relating to customer acquisition and retention, balance sheet growth and profitability are translated into branch business objectives.
  • Develop performance measures, monitor and analyze branch performance, make recommendations for improvement to the branches and give feedback to Senior Management on the strategic direction for the branch network
  • Grow the Bank’s retail business portfolio through current and saving accounts numbers and transactional volumes and other retail business revenue streams.
  • Ensure that the Branches develop a carefully targeted cost efficient distribution strategy that enhances utilization of digital channels.
  • Ensure all retail distribution channels achieve their budgeted income and market share in the different segments and ensure profitability of all the channels.
  • Manage and drive revenue generation by identifying leads, building solid relationships and work with the partners to pursue retail business opportunities and attain business closure.
  • Continually leverage effective relationships with business partners internally to identify opportunities and achieve business growth.
  • Provide overall management of the branch network to ensure superior service offering to all bank customers.
  • Spearhead the development of appropriate products and services to segments within the retail customers and pursue solutions to customer needs (within policies and procedures)
  • Encourage team members to examine the customer’s perspective and work to continually improve business processes.
  • Find new approaches across end to end business processes to deliver a full spectrum of services and create valuable, sustainable customer relationships.
  • Ensure seamless and timely delivery of Retail products to customers, through ownership of the processes and spearhead innovative new products development and their periodic reviews
  • Ensure a culture of risk excellence is embedded in Retail businesses and strict adherence to internal controls across the department.
  • Provide guidance to the branch network for operations, sales and branch management through sharing of best practice and ensuring strict adherence to banking regulations.
  • Achieve quality audit ratings/compliance across the branch network/Head office Retail units.
  • Oversee rationalizing of operating costs
  • Ensure proper and optimal utilization of the Human Capital within Retail Division
  • Review and monitor workloads, tasks and staff productivity
  • Put in place succession plans for critical roles in liaison with the Human Resource department.
  • Work cross-functionally with other Head Office Business units to create synergies and maximize on cross sell opportunities and improve service delivery

REQUIRED QUALIFICATIONS, EXPERIENCE AND COMPETENCIES

Knowledge and Experience

  • University Degree from a recognized University.
  • Professional qualification in Banking will be an added advantage.
  • 10 years’ experience in banking, with 5 years in a senior management role, preferably in Retail Banking
  • Experience and sound understanding of Retail Banking
  • Knowledge of Banking Products and ability to discern customer needs and develop appropriate products
  • Knowledge of delivery channels
  • Deep understanding of regulatory and legal environment
  • Knowledge of Credit appraisal especially on Consumer Finance
  • Ability to set appropriate targets and work towards achieving these targets to meet the overall strategy of the Bank

Personal attributes

  • Highly Professional, able to win the confidence of, and work effectively with clients and colleagues
  • Honest with impeccable integrity (high ethical standards).
  • Strong networking skills, both externally and within the Bank
  • Strong Business acumen
  • Excellent analytical skills and attention to detail.
  • Innovative, able to initiate, accept and implement change that is good for the growth/improvement of the Bank
  • Good negotiation skills
  • Able to demonstrate a high level of ownership and commitment to achieving results.
  • Problem solving skills.
  • Excellent Communication and report writing skills.
  • Ability to work with all levels of management and across business units and departments.

Click Here to Apply

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