Head of Personal Banking

Kolomoni Microfinance Bank is a CBN-licensed Nigerian Microfinance Bank providing mobile and web-based financial services, including savings, investments, loans, and agency banking (POS terminals).

About the Role

We are seeking a strategic, visionary, and commercially driven Head of Personal Banking to lead the growth, scaling, and monetization of our retail customer franchise.

This is an executive business leadership position with full P&L ownership. We are looking for a proven consumer business leader—ideally with deep experience in telecommunications (commercial/CVM divisions), mobile money, digital financial services, or large-scale fintech/commercial banking—who has mastered the science of mass customer acquisition, intelligent segmentation, Customer Value Management (CVM), grassroots distribution, and ecosystem retention.

Key Responsibilities Mass Customer Growth & Activation: Drive strategy for large-scale customer acquisition, converting downloads and account openings into funded, active accounts regularly using savings, transfers, airtime, and bills payment services. Segmentation & Product Propositions: Design deliberate customer segmentation frameworks tailored to traders, salary earners, students, professionals, and High-Net-Worth Individuals. Customer Value Management (CVM) & Retention: Utilize data-driven insights to monitor customer behavior, prevent inactivity, reduce churn, and increase lifetime value (LTV) and transaction frequency. Grassroots Distribution & Channel Synergy: Collaborate with Business Banking to convert our growing POS, agent, and merchant footprint into a powerful acquisition and distribution network. Customer Experience Excellence: Champion platform reliability and seamless user journeys to make customer trust our greatest growth engine. P&L & Channel Ownership: Take complete ownership of the Personal Banking P&L, deposit liabilities, active user metrics, revenue growth, and end-to-end channel experience across app and USSD touchpoints.

Candidate Profile & Requirements 10–15 years of senior commercial / consumer leadership experience within telecommunications (CVM/commercial units), mobile money, digital financial services, or retail banking. Demonstrated expertise in mass consumer acquisition, CVM, channel distribution, and P&L management. A strategic builder with a proven track record of scaling consumer behavior and driving daily active usage at scale.

Note: Kolomoni is an equal opportunity employer; female applicants are strongly advised to apply.

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