Head Community Banking

• Develop and execute comprehensive strategy for community banking segment aligned with banks financial inclusion objectives and growth targets
  
• Identify and evaluate market opportunities within the community banking space including cooperatives trade associations religious groups market associations and social clusters
  
• Build and maintain strategic partnerships with apex cooperative bodies trade unions community development associations and other stakeholder organizations
  
• Set annual targets for customer acquisition deposit mobilization loan disbursement and portfolio growth
  
• Lead innovation in product development tailored to community banking needs (group savings cooperative loans association financing thrift collector programs)
  
• Represent the bank at community stakeholder forums cooperative summits and financial inclusion platforms
  
• Build lead and manage a high-performing community banking team across multiple locations/zones
  
• Recruit train and develop community banking officers and field staff with appropriate skills and competencies
  
• Conduct regular performance reviews coaching sessions and capacity building programs for team members
  
• Set individual and team targets aligned with segment objectives
  
• Foster a culture of customer-centricity integrity and financial inclusion within the team
  
• Portfolio Management & Risk Mitigation
  
• Oversee community banking loan portfolio ensuring quality growth and compliance with credit policies
  
• Monitor portfolio performance metrics including NPL ratios portfolio at risk (PAR) and delinquency rates
  
• Implement risk mitigation strategies for group lending including joint liability mechanisms and social collateral
  
• Conduct regular portfolio reviews and implement remedial actions for underperforming accounts
  
• Approve community banking loans within delegated authority limits
  
• Ensure robust credit assessment processes for cooperatives and community groups
  
• Product Development & Service Innovation
  
• Design and launch community banking products addressing specific needs of target segments
  
• Develop group-lending methodologies cooperative finance models and association banking frameworks
  
• Create financial literacy and capacity building programs for community banking clients
  
• Leverage technology and digital channels to enhance community banking service delivery
  
• Implement innovative savings mobilization strategies including mobile money integration and agent banking models
  
• Stakeholder Management & Partnerships
  
• Cultivate relationships with cooperative federations market leaders religious institutions and community development organizations
  
• Engage government agencies NGOs and development finance institutions for partnership opportunities
  
• Coordinate with internal stakeholders (Operations Risk Compliance Marketing) to ensure seamless service delivery
  
• Represent the community banking segment in management meetings and strategic planning sessions
  
• Compliance & Regulatory Adherence
  
• Ensure all community banking activities comply with CBN regulations AML/CFT requirements and internal policies
  
• Implement robust KYC procedures for all community groups cooperatives and associations
  
• Monitor and report suspicious transactions and ensure adherence to consumer protection guidelines
  
• Conduct regular compliance audits of community banking operations and documentation
  
• Liaise with regulatory bodies on community banking and financial inclusion initiatives
  
• Reporting & Performance Tracking
  
• Prepare and present monthly quarterly and annual performance reports on community banking segment
  
• Track and analyze key performance indicators (KPIs) and recommend corrective actions
  
• Monitor market trends competitor activities and emerging opportunities in the community banking space
  
• Provide data-driven insights to inform strategic decision-making and resource allocation
  
• 
  

Requirements

• Bachelors degree in business administration Finance Banking Economics Social Sciences or related field; MBA or Masters degree in related field preferred
  
• Professional certifications in Microfinance Cooperative Management Community Development Finance or Banking (e.g. CIBN ACIB Chartered Banker) highly desirable
  
• Minimum of 8-10 years of progressive experience in community banking microfinance cooperative banking or SME banking
  
• At least 5 years in management/leadership roles overseeing teams and portfolios
  
• Proven track record in building and managing community banking or microfinance portfolios
  
• Experience in financial inclusion initiatives group-lending methodologies and cooperative finance
  
• Strong understanding of Nigerias community banking ecosystem cooperative movements and association structures
  
• Ability to develop vision and execute growth
  
• strategies for community banking segment
  
• Exceptional skills in building partnerships with diverse community stakeholders
  
• Proven ability to recruit develop and manage high-performing field teams