Head: Retail Banking

Access Bank Plc; Johannesburg; On-site; ZAR 1,200,000 - 1,800,000; Full time

Job summary

Une grande banque sud-africaine recherche un Head: Retail Banking pour diriger le développement de sa division bancaire de détail. Ce rôle stratégique implique la formulation de plans d'affaires, la conduite de la performance et la gestion des opérations pour atteindre les objectifs de la banque. Le candidat idéal aura une vaste expérience dans le secteur bancaire, avec des compétences en leadership, en gestion des relations et en stratégie commerciale.

Benefits

Medical Aid

Provident Fund

Group Life Cover

Income Disability Cover

Funeral Cover

Training & Development

Qualifications

• Expérience de 15 ans dans le secteur bancaire, dont 10 ans dans des rôles de direction.
• Connaissance du secteur bancaire et du système de paiements sud-africain.
• Capacité à gérer des équipes et à mener des initiatives stratégiques.

Responsibilities

• Développer et gérer la division de la banque de détail.
• Formuler des stratégies de mise sur le marché et conduire la performance.
• Gérer les budgets, les prévisions et la planification stratégique.

Skills

Leadership

Coordination

Relationship Management

Negotiation

Financial Skills

Education

Minimum 3-year tertiary education in commerce

Postgraduate qualifications in business

Job description

Job Mission / Objective

Reporting to the Executive: Retail & Alliance Banking, the Head: Retail Banking is responsible for the development and management of the Retail Banking division of the Bank. This role requires understanding the role of retail banking within the overall Bank strategy, envisioning the Bank's retail banking strategy and offerings, and developing organizational structures and capabilities to achieve targeted results.

The incumbent will design go-to-market plans, drive growth and performance, align operational support, and ensure integrated commercial success. Ultimately, they are responsible for achieving business objectives and targets within Retail Banking to meet the Bank's overall goals.

Business Unit Establishment and CVP

• Create and implement the Retail Banking business unit strategy, plan, and value propositions aligned with strategy
• Serve employees of Embassies, Diaspora, Low and Middle Income markets, Employee banking, Staff banking (Group), Wealth banking, Distribution channels, Digital strategy, and Communities
• Develop an optimal sales product mix per segment

Market Engagement

• Engage the market to align strategy with market needs and deliver effective retail banking niche offerings

Operational Readiness

• Develop processes, procedures, policies, and structures for operational go-live within timelines
• Ensure product range effectiveness through strategic and qualitative reviews
• Develop and implement a retail risk management framework
• Create an effective performance reporting system for financial, risk, customer, and people metrics

People Management

• Develop a 5-year retail banking structure
• Build relationships with stakeholders and partners
• Manage staff once appointed
• Define and foster a service-based sales culture and customer service metrics
• Set measurable business growth objectives

Business Planning/Decision Making

• Formulate and implement the business unit value proposition and organization design
• Manage budgets, forecasts, and strategic planning

Policies and Procedures

• Oversee all policies and procedures within the area of responsibility

Additional People Management

• Manage all resources involved in Retail Banking
• Partner with peers and business units to deliver outputs
• Lead in line with the Bank's values and culture
• Develop staff through challenging assignments and training

Requirements

Academic Knowledge:

• Minimum 3-year tertiary education, preferably in commerce; postgraduate qualifications in business are advantageous

Work Experience:

• At least 15 years in banking, with 10+ years in senior/executive retail banking roles across operational, project, and customer-facing disciplines

Skills / Specialized Know-How:

• Strong leadership, coordination, relationship, conflict management, negotiation, and financial skills
• Knowledge of banking industry, payments, and South African payments system

Core Competencies:

• Multi-tasking, cross-disciplinary coordination, emotional intelligence, diplomacy, negotiation, performance management, business development, communication, and analytical skills

Access Bank is committed to employment equity and supports the recruitment of individuals living with disabilities. Candidates may disclose disability information voluntarily, which will be kept confidential unless legally required.

Applicants who do not hear from HR within 30 days of the closing date may consider their application unsuccessful. Thank you for applying.

Benefits

• Medical Aid
• Provident Fund
• Group Life Cover
• Income Disability Cover
• Funeral Cover
• Training & Development