Head of Retail Banking

Requirements

• Significant senior-level Retail Banking experience within a commercial or universal bank, with proven responsibility for business growth, deposits, lending, products and customer acquisition. • Strong commercial track record managing Retail Banking P&L, revenue, portfolio growth, pricing, sales performance and profitability. • Proven experience across retail products, branch/distribution management, customer segmentation, digital channels and customer-experience improvement. • Fluent French is essential, together with strong professional proficiency in Arabic and English. • Strong leadership and people-management capabilities; experience within Djibouti, Africa or Francophone banking markets is highly advantageous. Candidates from Morocco, Tunisia and Algeria with strong retail banking backgrounds are particularly encouraged.

Other

Position Title: Head of Retail Banking Employment Type: Full Time Salary USD: up to 9,000 depending on experience and qualifications plus competitive company benefits Job Location: Djibouti About the Client: Full-fledged bank based in Djibouti Job Description: • Retail Strategy & P&L: Develop and execute the Bank’s retail banking strategy, owning business growth, profitability, revenue targets, customer acquisition and overall performance of the Retail Banking function. • Deposits, Lending & Portfolio Growth: Drive sustainable growth across retail deposits, personal lending and other consumer banking products while balancing commercial objectives, pricing, margins, portfolio quality and risk. • Products & Customer Proposition: Develop competitive retail products, propositions and pricing strategies based on customer needs, market trends and competitor activity, including deposits, loans, cards, payments and other relevant retail solutions. • Distribution & Customer Experience: Optimize branch and alternative/digital channel performance, sales productivity, service standards and customer journeys to improve acquisition, retention, cross-selling and overall customer experience. • Leadership, Risk & Governance: Lead the Retail Banking team, establish clear commercial KPIs and ensure business activities comply with credit, KYC/AML, consumer protection, regulatory and internal risk requirements.