This position is responsible for business development, revenue generation, efficiency improvement, profitability, overall business process management and leadership in the Country.

KEY RESPONSIBILITIES

Business and Financial performance 

• Position Consumer Banking in Ecobank as a top tier Consumer brand amongst comparator brands in the market
• Lead in-country Consumer Banking strategic objectives implementation, and initiatives for growth.
• Manage the process around market sizing, competitive analysis and scenario planning for the Business country wide
• Develop a sustainable business capable of delivering above market deposits, revenues, profits and customer acquisition growth
• Manage Consumer Banking sales/revenue and profitability momentum in the affiliate
• Achieve lowest cost to serve (CIR) ratio and NPL ratio in the market
• Attain an attractive Return on Capital Employed
• Conduct regular Business performance and profitability reviews.

Customer Experience 

• Drive customer service excellence and ensure competitive solutions and products are consistently delivered to Consumer Banking clients.
• Establish and sustain a customer-centric business culture, leveraging on people and technology
• Build best in class customer service that continuously enhance Customers experience
• Ensure high customer satisfaction as measured and monitored through Customer feedback surveys

Leadership and people management 

• Motivate and lead team to achieve consistent profitability through a clear process of target settings.
• Conduct regular People performance and productivity reviews and build healthy talent pipeline.
• Encourage and foster a congenial working environment to enable direct reports and teams to achieve excellence through teamwork and operational efficiency.
• Ensure an agile and efficient workforce with right skills to meet strategic objectives
• Embed the Ecobank Values in the team and through interactions with stakeholders

Process, control and operational performance 

• Promote high ethical and integrity standards, and establish a culture within the bank that establishes and demonstrates to all personnel the importance of controls
• Ensure there is a strong internal control system in place and monitor its adequacy and effectiveness
• Ensure operational risk is well managed and losses minimized
• Champion cost management initiatives within Consumer Banking business.

Strategic initiatives 

• Lead migration of customers to digital channels
• Leverage data analytics in driving customer acquisition and product cross-sell
• Create country-wide product awareness and affinity through effective marketing interventions
• Ensure embedding of a strong strategy alignment and execution culture/practice within Consumer Banking in the affiliate.

JOB PROFILE

Education

•  Bachelor’s/Master’s degree preferably in Economics, Business Administration, Accounting, Marketing, Engineering or related field of study.

Experience 

• At least 12 years’ experience of which 8 years in leadership role in a Consumer banking/FMCG/ Telco based line of business.
• Proven sales track record as well as sound business and people development performance record
• Strong knowledge of Digital Financial Services and e-Banking products and channels
• High level of national exposure and ability to negotiate with client organizations, regulators and government leaders at a national decision-making level.

Skills, Capabilities & Personal attributes

• Strategic understanding of the Consumer banking business and good management skills.
• Ability to establish direction and drive execution
• Excellent at delivering and owning results
• Leadership and people development skills are required, in order to develop and maintain effective working relationships both externally and internally, with peers, direct reports and customers.
• Strong interpersonal, influencing and communication skills.
• Bilingual (English/French) is an advantage.