Job Description​

Business Performance Management  (30%)

• Lead end-to-end performance management for the Retail Banking business, including assets, liabilities, non-funded income, customer acquisition, and portfolio quality.
• Develop and monitor retail KPIs, scorecards, dashboards, and management reports for Executive Management and Board consumption.
• Track performance against budget, STP, and strategic initiatives, identifying gaps and driving corrective actions with business owners.
• Partner with Branch Banking, Digital Banking, and Sales teams to drive productivity, activation, and growth of retail customers.
• Provide insights through data analytics to support decision-making, business optimization, and resource allocation.

Product Development & Management (25%)

• Lead the design, development, review, and enhancement of retail banking products including deposits, lending, payments, cards, agency banking, and digital products.
• Ensure product offerings are customer-centric, competitive, profitable, and aligned with market trends and customer needs.
• Own the product lifecycle management process from concept, pricing, approval, launch, performance tracking, to review and exit.
• Coordinate product approvals with internal governance structures, including risk, compliance, legal, finance, and ALCO where applicable.
• Drive innovation and digitization of retail products to support customer experience and operational efficiency.

Financial & Commercial Oversight (25%)

• Ensure profitability and cost efficiency of retail products and initiatives through pricing, cost management, and revenue optimization.
• Monitor product and business performance to ensure achievement of revenue, margin, and cost targets.
• Support budgeting, forecasting, and business planning processes for Retail Banking.

Stakeholder Management (10%)

• Act as a key liaison between Retail Banking, Finance, Risk, Operations, IT, Compliance, and Digital teams.
• Provide clear business direction and performance guidance to branches, sales teams, and service centers.
• Support Executive Management with strategic insights, presentations, and performance updates.

Governance, Risk & Compliance (10%)

• Ensure all retail products and performance initiatives comply with regulatory requirements, internal policies, and risk appetite.
• Monitor product performance and portfolio trends to proactively manage risk and ensure sustainability.
• Support internal and external audits by providing accurate performance data and product documentation.

Key Performance Indicators (KPIs)

• Retail assets and liabilities growth
• Revenue and non-funded income performance
• Customer acquisition and activation metrics
• Product profitability and uptake
• Cost-to-income ratio (Retail)
• Portfolio quality and risk indicators
• Timely delivery of product initiatives

Key Competencies & Skills

• Strong business and financial acumen
• Advanced analytical and performance management skills
• Product development and lifecycle management expertise
• Strategic thinking and execution focus
• Stakeholder and people management skills
• Excellent communication and presentation skills

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or related field (Master’s degree is an added advantage).
• Certified Public Accountant (CPA) or Equivalent Qualifications
• 5 years’ experience in Retail Banking, Finance, Business Performance, or Product Management, with at least 3 years at  management level.

Qualifications

Analytical Thinking – Advanced (Meets all of the requirements), Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Commercial mindset – Senior (Meets all of the requirements), Customer Excellence – Service Management (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Experience in a similar environment at management level, Leading people – Leadership level (Meets all of the requirements), Openness to change (Meets some of the requirements and would need further development)