Chief Banking Officer

Job Description: Chief Banking Officer (CBO)

Industry: Banking Financial Services Investment Banking Insurance-linked Financial Groups

Job Type: Full-Time

Reporting To: Chief Executive Officer (CEO) / President / Board of Directors

Job Summary

The Chief Banking Officer (CBO) is responsible for leading and overseeing the organizations core banking business including retail banking corporate banking commercial banking and treasury-related banking services. This role drives business growth profitability customer experience and strategic expansion while ensuring strong governance and regulatory compliance.

The CBO plays a critical role in shaping banking strategy expanding market share and ensuring sustainable revenue growth across all banking portfolios.

Key Responsibilities

1. Banking Strategy & Business Growth

Develop and execute the overall banking business strategy

Drive growth across retail corporate SME and commercial banking segments

Identify new market opportunities and product innovations

Achieve revenue profitability and portfolio growth targets

2. Retail & Corporate Banking Operations

Oversee retail banking services including deposits lending and customer solutions

Manage corporate and institutional banking relationships

Strengthen SME banking and financial inclusion strategies

Ensure high-quality service delivery across all banking channels

3. Credit & Lending Portfolio Management

Oversee credit underwriting standards and lending policies

Ensure portfolio quality and minimize non-performing assets (NPA)

Approve high-value credit proposals (within delegated authority)

Strengthen credit risk governance in collaboration with CRO

4. Treasury & Liquidity Coordination

Coordinate with treasury function to ensure liquidity and capital efficiency

Support asset-liability management (ALM) strategies

Optimize funding structures and balance sheet performance

Ensure financial stability and regulatory ratios compliance

5. Customer Experience & Relationship Management

Enhance customer acquisition retention and satisfaction strategies

Improve digital banking and omnichannel service experience

Build long-term relationships with key corporate and retail clients

Ensure service excellence across all banking touchpoints

6. Regulatory Compliance & Governance

Ensure compliance with central bank regulations and banking laws

Work closely with compliance risk and audit functions

Maintain strong governance and ethical banking practices

Support regulatory inspections and reporting requirements

7. Digital Banking & Innovation

Drive digital transformation in banking services

Promote fintech partnerships and innovation initiatives

Enhance mobile banking internet banking and digital onboarding

Improve operational efficiency through automation

8. Stakeholder & Board Engagement

Report banking performance to CEO and Board of Directors

Provide strategic insights on market trends and risks

Represent the organization in industry forums and stakeholder meetings

Maintain relationships with regulators investors and key partners

9. Leadership & Team Management

Lead senior banking executives and divisional heads

Build high-performance banking teams

Drive talent development and succession planning

Foster a performance-driven and customer-centric culture

Key Requirements

Education

Bachelors or Masters degree in Finance Business Administration Economics or related field

MBA or professional banking qualifications are highly preferred

Experience

1520 years of experience in banking or financial services

Proven leadership in senior banking roles (e.g. Head of Retail Banking Head of Corporate Banking COO Banking Division)

Strong experience in commercial retail or investment banking environments

Skills & Competencies

Strong understanding of banking operations and financial products

Expertise in credit lending and portfolio management

Strategic leadership and business development capability

Strong regulatory and risk awareness

Excellent stakeholder and relationship management

Digital banking and innovation mindset

Strong analytical and decision-making skills

Key Performance Indicators (KPIs)

Banking revenue and profitability growth

Loan portfolio quality (NPL/NPA ratios)

Deposit growth and funding efficiency

Customer acquisition and retention rates

Digital banking adoption and transaction volume

Regulatory compliance and audit outcomes

Preferred Attributes

Experience in multinational or large-scale banking institutions

Strong exposure to digital transformation in banking

Ability to manage large-scale banking operations

Strong relationships with regulators and financial institutions

Compensation & Benefits

Competitive executive salary

Performance-based incentives

Executive benefits and allowances