Coverage Head, North West at Stanbic IBTC

Job Description

• To optimise key aspects related to the Distribution / Client Coverage network for PPB AR in alignment with client value propositions i.e., optimising physical infrastructure including ATM, Agency Banking, with a focus on cost optimisation, determining the optimal shape and size of Distribution, and driving migration to digital platforms.
• Create strategic direction to drive initiatives to increase sales for targeted clients and moving from cost of service to cost of sales.
• Lead the execution of Commercial Banking strategy through clearly defined coverage plans, portfolio objectives and client-growth initiatives.
• Translate strategic goals into measurable business plans, financial targets and sales activities across Commercial Banking teams.
• Drive profitable growth through acquisition of target clients, increased wallet share and deeper penetration of existing relationships.
• Deliver revenue, profitability, deposits, assets, foreign exchange revenue and non-interest revenue objectives.
• Establish performance scorecards and accountability frameworks for coverage teams and monitor execution against budget and strategic objectives.
• Lead senior engagement with strategic clients and provide executive sponsorship for priority client relationships.
• Ensure relationship managers develop and execute robust client relationship plans that deepen commercial engagement and improve client retention.
• Drive integrated solutioning by coordinating lending, transactional banking, trade finance, foreign exchange, treasury, insurance, cash management and digital banking capabilities.
• Ensure effective collaboration with Product, Operations, Credit, Risk and Support functions to deliver seamless customer experiences.
• Lead pricing discipline and optimise relationship economics within approved governance and pricing frameworks.
• Provide leadership across credit origination, portfolio reviews, transaction structuring and portfolio optimisation initiatives.
• Manage portfolio risk through proactive identification of emerging risks, concentration exposure, watchlist accounts and impairment trends.
• Ensure compliance with all internal policies, regulatory requirements, AML/CFT requirements, sanctions obligations, KYC standards and conduct expectations.
• Review audit findings, assurance reports and risk assessments and implement sustainable remediation actions.
• Maintain effective business continuity, operational resilience and first-line risk management practices.
• Champion adoption of digital solutions, CRM platforms, management information tools and sales effectiveness initiatives.
• Build high-performing teams through coaching, succession planning, leadership development and talent management.
• Lead employee engagement, performance management and capability development across the Commercial Banking coverage franchise.
• Represent Commercial Banking in governance, credit, risk, performance and management forums.

Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce

Experience Required:

• Commercial Banking
• Business and Commercial Banking
• More than 15 years
• Significant experience in all facets of client coverage. Knowledge and experience of consumer requirements across multiple segments and channels across Africa Regions.
• Postgraduate Degree
• Business, Finance, Economics, Banking or related discipline

Prefered:

• Executive Leadership Programme
• Leadership, Strategy or Banking-related disciplines

Preferred:

• 12+ Years
• Progressive experience in Commercial Banking, Corporate Banking or Business Banking with extensive client coverage responsibility

Required:

• 10+ Years
• Relationship management, portfolio growth and strategic client management experience

Required:

• 5+ Years
• Leadership of managers, relationship teams or multi-layered coverage teams

Required:
5+ Years

• Credit risk management, portfolio governance and balance sheet management
• Required
• Extensive
• Executive stakeholder engagement and strategic business leadership experience

Required:

• Licenses and Certifications

Required / Preferred:

• Professional Banking Qualification

Preferred:

• Credit Risk Qualification

Preferred:

• Leadership Certification

Preferred:

• Regulatory Fit-and-Proper Accreditation

Required:

• Relevant Financial Services Certification

Preferred:
Behavioural Competencies:

• Convincing People
• Developing Strategies
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Generating Ideas
• Making Decisions
• Producing Output
• Pursuing Goals
• Resolving Conflict
• Understanding People
• Valuing Individuals

Technical Competencies:

• Attitude of Customer Experience
• Financial Acumen
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking.