• The Retail Cluster Head leads the retail team to build and maintain customer relationships, develops, exploits, and consummates sales opportunities, drawing in prospective retail customers.

Job Details
Sales Management:

• Develops and implements retail cluster marketing strategy in ensuring regional/zonal sales targets are met. This includes coaching staff on retail product knowledge, cross selling and keeping up to date with changes and developments in the local retail market/area to drive optimal achievement of this opportunities.
• Co-ordinates cross selling opportunities with other business departments like corporate solutions, EFT, virtual banking and other E-business products for possible personal market businesses/ opportunities.
• Conducts meetings with the retail marketing team (i.e. MA and Retail Relationship Officers) and carry out reviews on the previous performance jointly plan for the month ahead.
• Plan and oversees new retail marketing initiatives including cluster’s expansion in new markets as well as continued expansion among existing customers.
• Driving peak performance and retail marketing success for all retail relationship officers across the region and/or Zone.
• The collective targets for the MAs and RMOs are sole responsibilities of the Retail Cluster Head who supervises all their activities of RMOs under his/her purview.

Risk management:

• Accountable for maintaining high data quality standards by ensuring information captured in the Bank’s systems and documentation by teams are accurate and maintained in a timely manner.
• Responsible for the sale’s operational efficiency of the region/cluster and productivity of its retail staff.
• Manage the risk management process for the designated customer portfolio and be accountable for the ongoing monitoring of credit quality and compliance with Bank’s policies.
• Develop close relationships with operations and risk management team to ensure delivery of quality products and services to customers.
• Accountable for operating responsibly within the parameters of approved delegations.

Financial management:

• Contribute to the net profitability of the region/zone; ensure effective management of revenue collection and expenditure control.
• Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
• Review actual figures in the Branch Balance Sheet, Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
• Drive the growth of retail deposits, loans and overdrafts to increase profitability of the Branch.

Customer service:

• Understand retail customer base and identify opportunities to build and grow profitable relationship.
• Supervise the management of branch resources to ensure delivery and maintenance of customer service standards and at every service outlet within the branch, by putting the right people in the right places and by enabling their self- development (coaching and training) for improved service delivery.
• Monitor customers’ complaints through the Bank’s complaint management unit, identifying the root causes and addressing them at source to prevent recurrence.
• Manage and oversee the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
• Identify opportunities to migrate retail customers to more appropriate, cost effective channels.
• Support the use of appropriate processes and procedures by all members of staff who are constantly in contact with the retail customers e.g. Retail RMO, MA, TTL, Tellers and the Branch guards.

People management:

• Build organizational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
• Responsible for the development and retention of relevant skills in order to meet retail business needs.
• Ensure the effective selection of staff by matching the skills and competencies to the requirements of the job.
• Ensure skills assessments and competency-based training takes place as and when required.
• Create an environment in which learning, and development are emphasized and valued.
• Take personal responsibility for coaching and mentoring others.
• Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
• Monitor and manage the performance and development of direct reports and constantly give feedback during monthly one-on-one review meetings.
• Ensure staff compliments to boost productivity and promotes a culture where the values of the Bank are seen to be ‘alive’.

Requirements
Below are the qualifications required to work as a Retail Cluster Head:

• Education: Minimum of First Degree in Any Discipline. Additional Qualification will be an Added Advantage
• Specialized knowledge: Minimum of 5-8 years cognate experience
• Superb interpersonal skills
• Good communication skills
• A commitment to excellent customer service
• Professional Certification: CIBN
• Experience: Sales and Marketing
• Digitally Savvy
• Strategic thinker and ability to analyze and solve problems quickly
• Ability to work well with others and lead a team.

Benefits

• Healthcare
• Parental Leave (Paternity and Maternity)
• Year-End Bonus (13th month)
• Company Events
• Competitive Pay
• Leave Allowance.

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2.) Information Security Auditor

Job Location: Lagos
Employment Type: Fixed Term Contract

Job Summary

• The Information System Auditor is responsible for conducting audits and assessments of the organization’s information systems to ensure that they are secure, reliable, and compliant with internal policies and external regulations.
• The is Auditor will work closely with other departments to identify vulnerabilities, recommend improvements, and ensure the effective implementation of controls.

Key Responsibilities
Audit Planning and Execution:

• Develop and execute audit plans for evaluating the effectiveness of information system controls.
• Conduct risk assessments to identify areas of potential vulnerability and non-compliance.
• Perform detailed audit procedures including interviews and system reviews.

Risk Management:

• Assess and evaluate the organization’s IT infrastructure to identify potential security risks.
• Provide recommendations for mitigating risks and improving overall security posture.
• Monitor and report on the status of risk management initiatives and control effectiveness.

Compliance and Regulatory Audits:

• Ensure compliance with relevant laws, regulations, and standards (e.g., SOX, GDPR, HIPAA, ISO/IEC 27001).
• Prepare and present audit reports to management, highlighting findings and suggesting corrective actions.
• Collaborate with regulatory bodies and external auditors as required.

Security and Control Assessment:

• Evaluate the adequacy and effectiveness of security measures in protecting information assets.
• Assess access controls, encryption mechanisms, and other security protocols.
• Test system configurations and software applications for compliance with security policies.

Continuous Improvement:

• Collaborate with stakeholders on current trends, emerging technologies, and best practices in information security and auditing.
• Recommend and implement improvements to the audit process and control environment.
• Ensure participation in professional development opportunities and certifications that will add value to the organization and aid the growth and advancement of best practices.
• Work with Audit Client/IT and Digital compliance team to ensure closure of Audit exception.

Stakeholder Communication:

• Communicate audit findings and recommendations to stakeholders, including Senior Management and the Board.
• Develop and maintain effective relationships with business units and external auditors.

Qualifications
Education / Certifications:

• Bachelor’s Degree in Information Technology, Computer Science, Information Systems, or a related field.
• Advanced degrees or certifications (e.g., CISA, CISSP, CPA) are highly desirable.

Experience:

• Minimum of 3-5 years of experience in IT auditing, information security, or a related field.
• Experience with audit tools and methodologies, risk assessment, and control evaluation.

Skills and Competencies:
Technical Proficiency:

• Strong understanding of IT systems, networking, databases, and cybersecurity principles.
• Familiarity with auditing tools and techniques such as ACL, IDEA, and other data analysis software.

Analytical Skills:

• Ability to analyze complex data and systems to identify potential risks and issues.
• Strong problem-solving skills and attention to detail.

Communication Skills:

• Excellent written and verbal communication skills.
• Ability to present technical information in a clear and concise manner to non-technical stakeholders.

Organizational Skills:

• Strong project management skills and the ability to manage multiple audits simultaneously.
• Excellent time management and organizational skills.

Ethical Standards:

• High level of integrity and professionalism.
• Commitment to maintaining confidentiality and ethical standards in all activities.

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3.) Revenue Assurance Officer

Job Location: Lagos
Job Type: Full Time

Job Summary

• Revenue assurance is important to identify, analyze, mitigate and prevent revenue leakage through a range of measures.
• It aims to reduce risks of losses due to errors, negligence, or fraud and ensures that discrepancies are identified and resolved quickly.
• It helps to identify opportunities to increase revenues and maximize profits.
• It also involves detecting possible opportunities for cost optimization and streamlining operations.

Responsibilities

• Review of all revenue lines to ensure that all income due to the bank is earned.
• Monthly review of interest income, fees, and commission lines to ascertain the completeness and accuracy of recognized income.
• To work with other stakeholders to recoup income discovered not to have been earned by the bank
• Engage with appropriate stakeholders in the automation of any manually recognized income to reduce human errors.
• Ensure the mapping of all asset lines to corresponding income lines are properly done as well as the unbundling of PAL accounts where necessary.
• Ensure the integrity of revenue-related system-generated entries and GL accounts.
• Review of settlement activities across all banking channels and payment options
• Support to the Finance team toward efficient annual audits.
• Review Interest and Fees earned and ensure compliance with CBN guideline for charges.
• Monitor accounts on AMC concession and ensure account performance to avoid income leakages.
• Ensure that revenue lines are up to date with rules and regulations relating to VAT/WHT.
• Monthly report of revenue assurance activities, observation and recommendations

Qualifications and Skills

• Minimum BSc Finance, Accounting or related Social Science course
• Microsoft Office (Word, Excel, Outlook and PowerPoint)
• Analytical mind, able to process information logically delivering value added analysis.
• Excellent communication (both verbal and written) and interpersonal skills.
• Solid knowledge of fundamental accounting principles
• Ability to write advanced SQL and analyze large data sets.
• Ability to use data analysis tools – ACL, Power BI etc.
• Independent self-starter and flexible team player
• People Management Skills
• Strong willed, high integrity, Intelligent, hard working.

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4.) Commercial Relationship Management Officer (ABO-SBO)

Job Location: Lagos
Job Type: Full Time

Job Summary

• The Commercial Relationship Management Officer is a part of the sales team who builds and maintains relationships with customers, develops, exploits, and consummates sales opportunities, drawing in prospective commercial & retail customers.
• To observe the competition to see what strategies are being used in order to stay ahead of the competition.

Responsibilities
Sales Management:

• Execute branch commercial sales strategy reflective of the local market conditions to ensure that sales targets are met. This includes having product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
• Strong communication and interpersonal skills and the ability to build and maintain relationships.
• Manages and maintains current commercial business relationships and seek new accounts through sales.
• Be actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
• Effectively convert service recovery to business opportunities and sustain client loyalty.
• To focus on driving customer acquisition and growing volumes, in the commercial business in the Bank through opening of different types of accounts.
• To give feedback to the sales team and product management in market situations on new product/existing product development/upgrade for growing small and medium scale businesses and individuals in our marketing environment.
• Giving sales presentations to a range of prospective customers and engage in frequent storm.
• Visiting clients and potential customers to evaluate needs or promote products and services.
• Coordinating sales efforts with marketing programs

Risk Management:

• Ability to identify an acceptable level of lending risk, in line with the bank’s risk appetite statement and to maximize profit from that transaction.
• Comply with the Bank’s complaint resolution process to resolve the matter, maintain our high service standards and mitigate further risks / losses.
• Minimize risks through adherence to KYC compliance as per the bank policies and procedures in all your operations to minimize losses due to frauds.
• Discuss loan terms and conditions and conduct collateral risk analysis to ensure compliance with the banks policies and procedures.
• Ensure all documentation is valid and complete in assigned portfolio.

Customer Service:

• Deliver and always maintain customer service standards, for improved service delivery.
• Log customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
• Provide appropriate products and services via the most suitable channel to ensure that customers’ needs are met.
• Offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
• Consistent and frequent communication with client providing complete, concise portfolio valuations and guidance.
• Serves as a problem-solver for the client, helping them identify investment criteria, recognize and handle concerns that arise as consultation moves closer to decision.
• Complies with the use of appropriate processes and procedures expected of all members of staff who are constantly in contact with the customers.
• Advice customers on financial services
• Handles customer complaints and solve problems.
• Engaging customers on banking products and services
• Approach and sign on new customers.

Qualification and Skills
Below are qualifications required to work as a Commercial, RMO

• Education: Minimum of First Degree in Any Discipline. Additional Qualification will be an Added Advantage
• Specialized knowledge: Minimum of 5 – 8 years of cognate experience
• Professional Certification: CIBN
• Good communication skills
• A commitment to excellent customer service
• Experience: Sales and Marketing
• Digitally Savvy
• Superb interpersonal skills.
• Strategic thinking and ability to analyze and solve problems quickly.
• Ability to work well with others and lead a team.

Benefits

• Healthcare
• Staff Gym
• Creche
• Parental Leave (Paternity and Maternity)
• Year-End Bonus (13th month)
• Company Events
• Competitive Pay
• Leave Allowance

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