Job Summary The job is a Risk Management function which involves quantifying the potential for adverse outcomes or losses. It uses various metrics and tools to estimate the likelihood and impact of risks. This information is crucial for informed decision-making in risk management strategies. Duties & Responsibilities

• Analysis of the Credit risk of the bank’s loan portfolio tracking and ensuring that Early Warning Indicators are promptly escalated to Senior Management
• Monthly computation of the Credit Capital Adequacy Ratio report (BASEL II).
• Makes inputs into Liquidity Coverage Ratio, Net Stable Funding, and Internal Liquidity Assessment Adequacy Process.
• Assessment, development and monitoring of Credit risk limits (Portfolio Plan and Limit Setting, Risk Appetite) in line with the bank’s risk strategy.
• Preparation of Periodic Portfolio reports to Exco and Board, detailing the Bank’s exposures, providing peer comparisons and trend analysis of defined metrics.
• Quarterly Stress Test of the Credit Risk exposures of the bank and reporting of same to RMC and the Board through the CRO.
• Preparation of Internal Capital Adequacy Assessment Process (ICAAP) stress tests and reports
• Monthly Preparation and presentation Risk Asset performance reports for the Business Units.
• Liaison with Consultants on Enterprise Risk Management projects i.e. review and/or updates of models

Attend to ad hoc requests from the CRO on analysis of emerging risks and effects on the bank’s portfolio. JOB REQUIREMENTS

•  A first degree or equivalent in relevant discipline
• Relevant professional certifications in accounting, banking or Finance e.g. ACIB, ACA, CFA
• A minimum of Ten (10years) progressive experience in offering expertise in Enterprise Risk Management, Policy Development, Regulatory Reporting, Credit Portfolio Management, Credit Risk processes, Credit Risk Modelling, Credit Data Mining & Analytics and general Risk Management.

Job Summary:

• The Head of Retail and SME Strategy & Planning is responsible for shaping and driving the strategic direction, business planning, and performance management of the bank’s Retail and SME Business. This role ensures alignment with the bank’s corporate strategy by leveraging data analytics, market intelligence, and strategic initiatives to optimize business growth, profitability, and operational efficiency. In addition, this role leads the analytics and insights team, ensuring data-driven decision-making, business intelligence and market insights to also optimize business growth.

Duties & Responsibilities: 1.  Strategic Planning & Business Growth

• Develop and execute the Retail & SME banking strategy, ensuring alignment with the bank’s overall corporate objectives.
• Conduct market research, competitive analysis, and customer insights to identify growth opportunities and potential risks.
• Collaborate with business leaders to define strategic priorities and initiatives to drive deposit mobilization, loan growth, and customer acquisition.
• Support the Head, Retail & SME Business in driving business transformation, innovation, and expansion strategies.

2. Analytics & Insights Leadership

• Lead the analytics & insights team to provide data-driven insights that guide strategic decision making
• Utilize analysts to develop and maintain models and frameworks used in analyzing customer behaviour, product performance, and market dynamics
• Build dashboards and reporting tools to provide real-time business intelligence to senior and executive management

 3. Budgeting, Financial Planning & Performance Management

• Lead budgeting, financial planning and forecasting and performance tracking for the Retail & SME Business.
• Define and track key performance indicators (KPIs) to measure business performance and strategy execution.
• Provide data-driven insights and recommendations to optimize revenue, profitability, and cost efficiency.
• Work closely with Finance teams to develop budgets, monitor financial performance and ensure financial targets are met.

4.  Business Process Optimization & Execution

• Identify operational inefficiencies and implement strategies to enhance process effectiveness.
• Drive automation, digital adoption, and other strategic initiatives to improve service delivery and customer experience.
• Collaborate with internal stakeholders to ensure seamless execution of strategic projects and initiatives.

5.  Stakeholder Engagement & Cross-functional Collaboration

• Act as a strategic partner to key stakeholders, including Products, Segments, Risk, Finance, Operations, etc.
• Support senior and executive management in engagements with regulators, industry bodies, and external partners.
• Lead yearly segment strategy cycle, business strategy sessions, business reviews, and performance tracking meetings to ensure alignment and execution.

6.  Risk Management & Compliance

• Ensure all strategic initiatives align with regulatory requirements, internal risk frameworks, and corporate governance principles.
• Collaborate with Compliance, Legal, and Risk teams to incorporate risk assessment into strategy development.
• Establish data governance and reporting frameworks to enhance decision-making.

Key Performance Indicators:

• Achievement of Retail & SME deposit, loan, revenue and PBT growth targets.
• Accuracy and impact of insights and analytics on business decisions.
• Execution rate of strategic initiatives and business plans.
• Improvement in customer acquisition, retention, and satisfaction metrics.
• Operational efficiency and process improvement outcomes.
• Budget adherence and financial performance metrics.
• Effectiveness of stakeholder engagement and strategy execution

  Job Requirements:

• Bachelor’s degree in Finance, Economics, Business Administration, Data Science or a related field (MBA/Master’s degree is an advantage).
• Minimum of 10 years of experience in banking, with at least 5 years in strategy, business planning, performance management or analytics roles.

Key Competency Requirements: Job Knowledge:

• Strong understanding of Retail and SME banking dynamics, financial modeling, and data analytics.
• Proven ability to develop and execute business strategies with measurable impact.
• Experience leading data-driven decision-making and business intelligence teams
• Experience working with senior management and board-level stakeholders. 
• Communication Management
• Understanding target Setting and tracking
• Good knowledge of Finance & Accounting in Nigerian Banks
• Deep understanding of CBN and NDIC regulations affecting banks
• Understanding of the various Management Reports required for effective decision making

Skills/Competencies:

• Proven ability to develop and execute business strategies with measurable impact
• Financial Analytical/interpretation Skills
• Performance management/Reporting Skills
• Good Relationship/ Interpersonal skills
• Team Building / Conflict management
• Communication (oral & written
• Team player and motivator
• Ability to work under intense pressure 
• Time management skills
• Strong leadership, problem-solving and project management skills
• Stakeholder Management

Job Summary:

• Own Elite segment strategy and its execution, thereby supporting achievement of revenue, balance sheet and operating profit targets agreed in annual budget and establishing fundamentals for long term performance of the segment.
• Achieve a balanced growth of the Elite segment by maximizing market share, client and staff satisfaction.
• Develop (and keep improving) comprehensive Value Proposition for Elite segment (and associated sub-segments), including developing partnerships with reputable institutions to offer lifestyle benefits.
• Own the responsibility for ensuring excellent Customer Experience in the Elite space
• Own the responsibility of enabling RMs and Virtual RMs productivity

Duties & Responsibilities:

• Understand current Value proposition, identify gaps and build a strong value proposition taking into consideration (dynamic) customer needs, market offering, sales force feedback and match global standards on solutions and delivery
• Manage Segment profitability and ensure delivery of balance sheet targets
• Grow Elite Segment portfolio by;
• Working with Product team to offer attractive / relevant products, schemes and services
• Increasing customer engagement through events, focus groups and use of RMs
• Engaging frontline periodically to review portfolio, understand their challenges (if any), identify training needs and obtain feedback on market realities, our products & campaigns
• Running seasonal/Next Best Action campaigns to incentivize the sales force/Customers and increase run rate
• Driving channel migration to online, mobile banking and debit cards to reduce cost to serve
• Driving increase in segment PPC ratio towards improving profitability and customer stickiness.
• Understand reasons behind attrition and come up with strategies to minimize it by developing pro-active steps to be adopted by RMs
• Conduct market research (focus groups) and benchmarking with key competitors
• Monitoring segment portfolio to reduce/eliminate customers with zero / negative profitability
• Customer experience, satisfaction, and motivation indicators.
• Increase use of technology – E-channel and products/services utilization.
• Provide leadership, develop, and motivate Elite Relation Managers to increase performance and productivity.
• Implement process for migration of customers across Personal & Elite segments.
• Work closely with Operations to enrich Elite customer database – updating customer data with email/mobile numbers etc. Work closely with Service quality in driving a standard behavior of RMs and DSA’s in managing customer queries and sales objections respectively
• Work closely with Branch services to fulfil the Elite customer promise at our physical locations
• Work closely with Analytics team, using day to provide insights towards improved sales strike rates
• Work closely with HR and Distribution to ensure the right RMs are in the right places.

Key Performance Indicators:

• Revenue & Balance Sheet growth
• Revenue per customer
• AUM Qualified Customers
• Product Holding Per Customer (PPC)
• Active accounts / active customers growth in the segment
• Channels and cards penetration
• Loan penetration
• Percentage of customers who pay the bills

Job Requirements:

• First degree
• Possession of a post-graduate degree (MBA or MSc is an added advantage)
• Min 8 years’ experience in Banking which includes 2 years in managerial level.

Key Competency Requirements: Job Knowledge:

• Mandatory knowledge of Basic CBN policies
• Knowledge of top functional applications required for the job
• Knowledge and experience of market segments
• Knowledge and experience of regulatory policies and guidelines
• Strong understanding of banking and lending products.
• Experience in understanding the financial needs of all types of client’s skills.

Skills/Competencies:

• Leadership to nurture and sustain employee satisfaction; and to manage change.
• Organization development to effectively structure the department for optimal performance.
• Management of costs associated with sales strategy and relationship growth
• Ability to negotiate complex transaction and lead successful teams.
• Keen, conscientious, with a friendly disposition
• Can work well under extreme pressure and remain calm with the ability to prioritize.
• Personable and adaptable individual with excellent communication, interpersonal and organizational skills Knowledge on Excel and PowerPoint

Presentation skills

• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.

Job Responsibilities

To promote a strong compliance culture that ensures adherence to the compliance framework, policies and procedures to prevent loss from non-compliance. The Cluster Compliance Manager is responsible for ensuring that the Bank is not used for the laundering of funds or financing terrorist and proliferation activities in the branch/ compliance cluster.

1.  Ensure compliance with key controls inherent in Bank’s policy and products.
2.  Enforce compliance with the Bank’s KYC, KYCB & EDD risk monitoring for branch transactions.
3.  Daily monitoring and review of account opening documentation in line with CBN KYC/KYCB policy.
4.  Carry out EDD for Limit increase requests and High Risk Customers.
5.  Daily monitoring and review of account closure and reactivation documentation.
6.  Ensure good record keeping and retrieval process as stated in the Bank’s policy.
7.  Implementation of AML/CFT/CPF programs at the cluster level.
8.  Escalate Suspicious transaction incidents in your respective branches immediately to the Chief Compliance Officer.
9.  Liaise with the business operations to obtain periodically required customer information and regulatory requirements.
10.  Track & ensure branch regulatory items e.g. licenses, permits are reviewed & renewed promptly.
11.  Provide feedback on customer investigations and “handhold” client potential exit process.
12.  Perform mandatory, targeted & ad hoc reviews to assess compliance with regulatory requirements & internal policies such as Whistle Blowing, Anti-Bribery & Corruption, and Sustainability etc.
13. Liaise with local regulators, law enforcement and other government bodies and ensure good relationship with the same, including representing the Bank where required.
14. Ensure an improved compliance culture by specifically improving the compliance risk assessment and compliance testing standards at the branch/cluster.
15. Periodic review and assurance for timely rendition of branch regulatory returns.
16. Periodic and timely management reporting on the clusters level of compliance.
17. Conduct periodic compliance training for branches in the respective clusters.
18. Review of deferral register.
19. Review of Gift register.
20. Perform other duties as assigned by Chief Compliance Officer.

Job Responsibilities:

In the role of Relationship Manager, your primary responsibilities revolve around serving the banking needs of both businesses and individuals. This involves a combination of cross-selling products and services to existing customers, while also focusing on enhancing client relationships through personalized financial advice. Your key duties include:

• Client Relationship Management: Develop and maintain strong relationships with clients by understanding their financial needs and providing tailored solutions. Regularly engage with clients to ensure their banking experience is seamless and satisfactory.
• Financial Advisory Services: Offer expert financial advice based on thorough analysis of clients’ financial situations. Assist in creating strategies that align with their financial goals, focusing on investment, savings, and risk management.
• Cross-Selling Products: Identify opportunities to cross-sell banking products and services to existing clients, such as loans, credit facilities, investment options, and insurance products, to enhance their overall financial portfolio and meet their evolving needs.
• New Customer Acquisition: Proactively seek out new clients through networking, referrals, and outreach efforts. Utilize market knowledge and insights to attract potential customers and expand the bank's clientele.
• Deposit Mobilization: Drive efforts to mobilize deposits by promoting various account offerings, ensuring that clients understand the benefits and features available, thus enhancing the bank's liquidity and financial strength.
• Risk Management: Assess and mitigate risks associated with client accounts by applying appropriate risk management principles. Ensure compliance with regulatory standards and internal policies to protect both the client and the institution.
• Client Experience Focus: Strive to provide an exceptional client experience by addressing inquiries, resolving issues promptly, and showcasing the bank’s commitment to client satisfaction.
• Reporting and Analytics: Maintain accurate records of client interactions and transactions. Use data insights to track performance, identify trends, and adjust strategies to better meet client and bank objectives.