Head, Retail / SME Banking - SM-AGM at Peakware Group

Peakware Group is an integrated service business with 4 subsidiaries delivering service in Engineering, Construction, Procurement & Installation(EPCI), Field Development Services, Information Technology, Recruitment & Manpower Supply, Telecommunication Services, Wireless Communication System, Automated Security & Communication Equipment/ services, Power Systems (DC Battery Backup/Solar Energy), Learning & Development.

We are recruiting to fill the position below:

Job Title: Head, Retail / SME Banking - SM-AGM

Location: Lagos 
Employment Type: Full-time

Purpose/Job Dimension

• We are seeking a dynamic and results-driven strategic leader to oversee our Retail and SME Banking divisions.
• The successful candidate will be responsible for developing and executing the overall business strategy to drive customer acquisition, deepen wallet share, and maximize profitability across both segments.
• This role requires a visionary leader with a proven track record of growing a retail banking book, building high-performing teams, and leveraging technology to deliver an unparalleled customer experience.

Key Roles and Responsibilities 

• Develop and implement a comprehensive business strategy for the Retail and SME segments to achieve aggressive growth targets in assets, liabilities, and fee-based income.
• Drive the bank's market share expansion by identifying new opportunities and leveraging existing customer relationships.
• Champion the development and launch of innovative, customer-centric products (e.g., savings accounts, loans, mortgages, cards, digital solutions) tailored to the Retail and SME markets.
• Analyze market trends, competitor activity, and customer needs to inform strategic decisions.
• Own the P&L for the Retail and SME segments, responsible for budgeting, forecasting, and ensuring profitability.
• Ensure strict portfolio quality management by setting and monitoring credit risk parameters for retail and SME loan products.
• Drive the growth of a low-cost deposit base (CASA) to optimize funding costs.
• Monitor key performance indicators (KPIs) and provide regular performance reports to the Executive Management and Board.
• Lead, motivate, and manage a large team of Branch Managers, Relationship Managers, and Sales Executives across the bank's network.
• Set ambitious sales targets and implement effective incentive schemes to drive performance.
• Optimize the performance of the branch network while developing alternative distribution channels, including digital platforms, agency banking, and call centers.
• Ensure the delivery of consistent, high-quality customer service across all touchpoints.
• Ensure all retail and SME banking activities comply with internal policies and regulatory guidelines set by the Central Bank of Nigeria (CBN).
• Implement effective risk management frameworks to mitigate credit, operational, and reputational risks.
• Maintain a strong control environment and ensure adherence to KYC (Know Your Customer) and AML (Anti-Money Laundering) protocols.

Experience and Qualifications

• Bachelor’s degree in finance, Business Administration, Economics, or a related discipline from a recognized university.
• A postgraduate qualification or relevant professional certification is an added advantage.
• 6-8 years of experience in banking, with a focus on Retail/SME Banking.
• Demonstrated experience in strategic management, business development, and profitability management within a banking context.
• Comprehensive knowledge of financial analysis, credit risk assessment, and banking regulations.
• Proven track record of building and maintaining strong client relationships.

Required Skills and Competencies:

• Strong business acumen and analytical skills.
• Excellent relationship management and interpersonal abilities.
• Proficiency in financial analysis and credit assessment.
• In-depth understanding of commercial and corporate banking products and services.
• Leadership and team management skills.
• Strategic thinking with the ability to execute tactical plans effectively.
• Strong negotiation and problem-solving skills.
• Unquestionable integrity and a high level of commitment.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should:
Click here to apply online