About the role
Company Description
Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.
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
Additional Information
We invite you to learn more about Stanbic IBTC, our Employee Value Proposition, and the diverse career opportunities available across the Group through the links below:
Employee Value Proposition Video: [YouTube / Instagram ]
Career Possibilities at Stanbic IBTC: [YouTube / Instagram ]
Thank you for considering a career with Stanbic IBTC.
