Regional Manager, Retail SME

Job Grade: AM - MGR

Job Overview: Responsible for providing strategic leadership and direction to Business Managers within the assigned region to achieve financial and non-financial targets, drive portfolio growth and profitability, ensure excellent customer experience, deepen market penetration, strengthen risk asset quality, and promote adoption of the Bank’s products and digital channels.

Key Responsibilities

• Drive regional profitability, growth, and achievement of strategic targets
• Lead Business Managers to deliver financial and non-financial performance objectives
• Identify business opportunities and conduct market intelligence to support growth
• Drive deposit mobilization, revenue generation, risk asset growth, and portfolio quality
• Oversee credit processing, approvals, disbursements, and portfolio performance
• Monitor loan recoveries, delinquency trends, and regulatory compliance
• Drive customer acquisition, retention, and digital channel adoption
• Build and maintain strategic relationships with key customers and stakeholders
• Collaborate with SBUs to drive ecosystem opportunities and business growth
• Build a high-performance culture through coaching, mentoring, and performance management
• Conduct staff performance reviews and capability development sessions
• Ensure adherence to the Bank’s core values, policies, and service standards
• Prepare regional business plans, profitability reports, and management reports
• Perform other duties as assigned by the Group Head

Skills/Competence Requirements

Required Knowledge, Skills and Abilities:

• Excellent business development and management skills
• Strong financial analysis and portfolio management capabilities
• Advanced marketing and sales skills
• Strong knowledge and understanding of the Nigerian SME banking market
• Good understanding of banking operations (domestic and international operations)
• Strong presentation and problem-solving capabilities
• Strong managerial and administrative skills
• Team building and conflict management skills
• Strong leadership and influencing capabilities
• Strong organizational and coordination skills
• Competence in credit portfolio management
• Ability to review, and analyze credit proposals
• Excellent communication and stakeholder management skills

Qualifications & Experience

• A good first degree in any discipline. Relevant Masters’ degree is an added advantage. 
• Recognized professional certification such as ACIB, etc.
• 10 years in sales with at least 3 years in team management role.