Regional Business Head job at Pearl Bank

POSITION DESCRIPTION

JOB TITLE: REGIONAL BUSINESS HEAD

REPORTS TO: CHIEF RETAIL OFFICER

JOB PURPOSE

§ The role is responsible for leading distribution growth across the assigned cluster through effective management of branch sales teams and the Bank’s agency banking ecosystem, including Super Agents and Agents.

§ The role drives retail business performance, agency network expansion, customer acquisition, and fintech penetration while ensuring productivity, compliance, and execution of the Bank’s retail and distribution strategy

KEY RESPONSIBILITIES /KEY DELIVERABLES

Agency Banking & Fintech Distribution

§ Lead expansion, management, and performance of the Bank’s Super Agent and Agent network.

§ Drive agent acquisition, onboarding, activation, and productivity improvement.

§ Ensure strong agent coverage in strategic and underserved markets.

§ Grow transaction volumes and adoption of fintech and digital services through the agency channel.

Retail Business Growth & Sales Leadership

§ Drive achievement of retail sales and revenue targets across the assigned region.

§ Lead and manage branch sales teams to drive acquisition, deposits, lending, and cross-selling.

§ Monitor branch sales productivity in line with the set targets and implement performance improvement interventions.

§ Drive execution of retail campaigns and regional business initiatives.

Channel Performance & Distribution Effectiveness

§ Optimize and monitor performance across branch and agency channels to improve market reach and customer access.

§ Develop regional distribution strategies to maximize customer acquisition and wallet share.

§ Track and improve productivity, profitability, and service delivery across all distribution channels.

Customer Acquisition & Market Expansion

§ Identify market opportunities and lead regional expansion initiatives.

§ Drive acquisition of retail customers through branch, agent, and ecosystem partnerships.

§ Strengthen the Bank’s visibility and penetration within the region.

Risk, Compliance & Governance

§ Ensure compliance with Bank policies, KYC/AML, and regulatory requirements across branches and agent networks.

§ Proactively monitor operational and fraud risks within agency banking and retail sales activities.

§ Ensure service quality and customer complaint resolution.

People/Team Leadership

§ Lead branch sales teams and regional agency support teams to deliver business objectives.

§ Coach and develop team capability to improve sales effectiveness and customer engagement.

§ Drive a high-performance culture through performance tracking and accountability.

BUSINESS BEHAVIOURS

§ Passion: Committed to excellence, delivering outstanding results and making a positive impact on our customers and stakeholders.

§ Teamwork: Collaborates, mutual respect, and diverse perspectives, to achieve shared success and deliver greater value to the Bank.

§ Integrity: Uphold honesty, transparency, and accountability, ensuring ethical practices in every action.

§ Innovation: Embrace creativity and forward-thinking, continually seek new solutions to enhance customer experience and drive business growth.

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED

§ A bachelor’s degree in a Business course or any related degree.

§ A professional certificate / Masters will be an added advantage.

§ A minimum of Eight (8) years’ experience in sales in banking or a financial institution with a proven track record to deliver results of which five (5) should have been at management level.

§ Demonstrated experience in agency banking, branch network management, fintech distribution, digital channels, or retail sales management.

§ Proven track record of achieving business growth, customer acquisition, sales, and market expansion targets.

§ Experience managing geographically dispersed teams and stakeholders is an added advantage.

§ Strong sales leadership and customer experience management capability.

• Lead expansion, management, and performance of the Bank’s Super Agent and Agent network.
• Drive agent acquisition, onboarding, activation, and productivity improvement.
• Ensure strong agent coverage in strategic and underserved markets.
• Grow transaction volumes and adoption of fintech and digital services through the agency channel.
• Drive achievement of retail sales and revenue targets across the assigned region.
• Lead and manage branch sales teams to drive acquisition, deposits, lending, and cross-selling.
• Monitor branch sales productivity in line with the set targets and implement performance improvement interventions.
• Drive execution of retail campaigns and regional business initiatives.
• Optimize and monitor performance across branch and agency channels to improve market reach and customer access.
• Develop regional distribution strategies to maximize customer acquisition and wallet share.
• Track and improve productivity, profitability, and service delivery across all distribution channels.
• Identify market opportunities and lead regional expansion initiatives.
• Drive acquisition of retail customers through branch, agent, and ecosystem partnerships.
• Strengthen the Bank’s visibility and penetration within the region.
• Ensure compliance with Bank policies, KYC/AML, and regulatory requirements across branches and agent networks.
• Proactively monitor operational and fraud risks within agency banking and retail sales activities.
• Ensure service quality and customer complaint resolution.
• Lead branch sales teams and regional agency support teams to deliver business objectives.
• Coach and develop team capability to improve sales effectiveness and customer engagement.
• Drive a high-performance culture through performance tracking and accountability.

• Sales leadership
• Customer experience management
• Agency banking
• Branch network management
• Fintech distribution
• Digital channels management
• Retail sales management
• Team leadership
• Performance management
• Risk management
• Compliance management

• A bachelor’s degree in a Business course or any related degree.
• A professional certificate / Masters will be an added advantage.