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Head of Retail Banking
About this role
The role of Head of Retail Banking is for a leader to drive the retail banking business of a digital-first national microfinance bank in Lagos. The holder will focus on acquiring, engaging and retaining customers, growing deposits, payments, transactions and loan portfolios, and expanding market share and profitability. The position involves setting retail banking strategy, developing innovative products, leading digital adoption, and managing a performance-driven team while ensuring regulatory compliance. The employer provides HR consulting services and is recruiting to lead the bank’s retail growth and digital banking initiatives. The target is to onboard a large customer base and achieve substantial deposit and loan disbursement targets within Africa.
What you would do
- Develop and execute a retail banking strategy focused on customer acquisition, retention and growth.
- Design and implement innovative retail products and services.
- Lead digital adoption initiatives to improve customer experience and increase transaction volumes.
- Drive deposit mobilisation and growth of payments, loans and transaction portfolios.
- Build customer ownership and loyalty through targeted engagement programs.
- Partner with technology teams to deliver secure, scalable digital banking solutions.
- Monitor performance metrics and ensure regulatory compliance.
- Provide leadership to the Retail Banking team and foster a high-performance culture.
- Identify growth opportunities in Nigeria and across Africa to scale retail presence.
- Lead a team to achieve targets including deposits and loan disbursements annually.
What they are asking for
- Bachelor’s Degree in Finance, Banking, Business Administration, Economics or related field.
- MBA or professional certification is an added advantage.
- Minimum 10–12 years in retail banking, with at least 5 years in a leadership role.
- Strong understanding of consumer financial services, credit analysis and retail risk management.
- Excellent relationship management, customer service and sales leadership skills.
- Experience with digital banking platforms and fintech solutions.
- Proven track record in customer acquisition, retention and digital retail banking growth.
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