Head of Retail & Business Banking

Department: Retail and Business Banking Chief Banking Officer Manage the Retail/ SME portfolio of the bank across London and overseas clients with a view to ensure customer satisfaction, compliance and revenue growth. Implement a Relationship management strategy to ensure adequate coverage of all retail and SME customers of the Bank Key role in developing and implementing new products required to make GHIB retail/ SME business competitive Lead team to achieve GHIB’s strategic objective of focusing its retail banking on HNWI’s Streamlining retail portfolio RM performance and profitability Ensure Customer complaints are addressed and within risk appetite of the bank Senior Management and colleagues To be responsible for all retail/ SME accounts of the Bank ensuring that these accounts remain profitable and comply with all annual KYC refresh and championing the revenue generation potential of such accounts To grow the retail/ SME business – to deliver growth both in volume and value within the targets set by the Bank To be the face of Retail/ SME business for the Bank interfacing with customers seeking banking solutions Be the link between the origination and operational departments of the bank for the provision of unparalleled customer services to all customers in portfolio Monitor and analyse the market, brand and competitor performance on our Niche HNWI market Capable of delivering training & incentives with priority customers, organising and representing the Bank at events Provide monthly commercial updates and detailed opportunity reports to Senior Management on the FI and Trade portfolio. Coordinating with the On-boarding/ Compliance Department to ensure that ALM/KYC and due diligence on Retail/ SME clients are in order. Identify and recommend appropriate retail banking products for senior management consideration Relevant regulatory experience within retain / SME financial services Good general knowledge of banking operations and banking products / instruments Proven track record of building networks and the gravitas and confidence to interact with top end executives of various institutions A strong interest in digital and emerging technologies and their role in enhancing customer experience Strong problem-solving skills and excellent customer relationship management orientation Good credit and risk analytical skills Extensive knowledge about the retail banking industry in Africa Good appreciation of Credit, Financial Crime and related risks as pertaining to HNWIs and Trade Finance Experience in retail Banking (at a managerial level) ~ Experience in SME banking an added advantage Experience of operating at a middle management or more senior level Proficient use of MS Office Applications - Word, Outlook, Excel, Power point or similar applications Working knowledge of the Core Banking System #