Head of Retail Banking | Ethics HR Job Portal

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Basic information

Job role

Product Management

Career level

Director (10-20 years)

Keywords

Head of Retail Banking

Description

Define and execute the overarching retail banking strategy to capture market share and achieve aggressive long-term growth targets.
Hold full accountability for the retail vertical’s P&L, optimizing Net Interest Margin (NIM), fee income, and overall return on equity.
Directly manage and mentor the Heads of Assets, Liabilities, Payments, and Digital to ensure departmental goals align with the bank’s commercial vision.
Drive the product innovation roadmap across lending, deposits, and card services to ensure market-leading positioning in the Egyptian landscape.
Oversee the convergence of traditional banking products with digital delivery, ensuring the mobile platform is the primary engine for customer acquisition and retention.
Establish and monitor key performance indicators (KPIs) for each product line, intervening to pivot strategies based on real-time commercial performance.
Lead the pricing committee for retail products, balancing competitive market rates with the bank’s profitability and liquidity requirements.
Collaborate with the Chief Risk Officer to define the retail credit appetite and ensure the portfolio remains healthy amidst macroeconomic shifts.
Identify and negotiate strategic partnerships with fintechs, retailers, and payment aggregators to expand the bank’s ecosystem reach.
Optimize the cost-to-serve model by migrating high-volume manual processes to automated, digital-first workflows.
Represent the retail business in board-level discussions, providing expert analysis on market trends, regulatory impacts, and competitive threats.
Ensure absolute compliance with Central Bank of Egypt (CBE) regulations and internal governance frameworks across all retail operations.
Champion a data-driven culture, utilizing advanced analytics to drive cross-selling opportunities and personalized customer value propositions.
Manage the annual budgeting process for the retail division, ensuring efficient capital allocation and resource management.
Foster a high-performance culture by setting clear benchmarks for success and driving professional development across the retail leadership team.

Requirements

• Bachelor’s degree in Business, Finance, Economics, or related discipline (MBA preferred).
• Minimum 10–12 years of experience in retail banking or consumer finance, with strong exposure to retail lending products.
• Hands-on experience managing retail assets portfolios including personal loans, auto finance, or credit cards.
• Strong understanding of Egyptian retail lending market dynamics, customer behavior, and competitive landscape.
• Experience working with digital lending platforms and automated decisioning systems.
• Good knowledge of credit risk concepts including scorecards, affordability models, delinquency management, and portfolio monitoring.
• Familiarity with Central Bank of Egypt regulations related to retail lending and consumer protection.
• Strong analytical skills with the ability to interpret data and drive actionable insights.
• Experience working cross-functionally with Risk, Collections, Technology, and Operations teams.
• Strong execution focus with the ability to manage multiple priorities in a fast-paced environment.
• Good communication and stakeholder management skills.