Group Head, Value Added Services (VAS) Banking

• Develop and execute the commercial banking strategy in line with the Banks overall business objectives.
  
• Drive revenue growth across commercial segments including SMEs merchants and mid-market businesses.
  
• Lead expansion of the value-added services (VAS) portfolio to increase non-interest income.
  
• Oversee marketplace strategy partnerships and digital commercial ecosystems.
  
• Lead the design enhancement and rollout of commercial banking products.
  
• Ensure products are competitive customer-centric and aligned with market needs.
  
• Drive innovation in payments lending transaction banking and digital commercial solutions.
  
• Collaborate with Marketing to design targeted advertising campaigns that drive commercial customer acquisition.
  
• Ensure brand messaging and market positioning align with commercial banking objectives.
  
• Support customer engagement initiatives to strengthen retention and portfolio growth.
  
• Oversee collections strategy for commercial accounts in collaboration with Risk and Finance.
  
• Implement frameworks to reduce delinquencies and improve portfolio quality.
  
• Monitor repayment patterns and recommend risk-mitigating actions.
  
• Achieve revenue deposit loan and profitability targets for the commercial banking division.
  
• Track business performance through dashboards market intelligence and competitor insights.
  
• Ensure operational excellence and adherence to regulatory guidelines.
  
• Build and maintain strong relationships with commercial clients ecosystem partners and regulators.
  
• Lead negotiations for partnerships that enhance the commercial suite (marketplace VAS collections etc.).
  
• Foster strong collaboration with Technology CX Credit Risk and Operations.
  
• Lead mentor and develop the commercial banking team.
  
• Build a high-performance culture focused on execution customer service and innovation.
  
• Ensure capability development within product sales and partnership teams
  

Requirements

• Bachelors degree in business administration Finance Banking Economics Social Sciences or related field; MBA or Masters degree in related field preferred
  
• Minimum 1012 years of experience in commercial banking business development or corporate/SME banking
  
• Demonstrated experience leading high-performing sales or product teams
  
• Experience in payments digital banking VAS or marketplace ecosystems is an advantage
  
• Strong understanding of credit collections compliance and financial analysis
  
• Proven ability to structure deals manage large portfolios and drive commercial strategy Experience in financial inclusion initiatives group-lending methodologies and cooperative finance
  
• Strong understanding of Nigerias VAS ecosystem cooperative movements an association structures
  
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• Commercial banking expertise
  
• Product development and management
  
• Collections and credit portfolio management
  
• Digital banking and marketplace strategy
  
• Financial and business analysis