Coverage Head, North West at Stanbic IBTC

Stanbic IBTC Holdings PLC is a full service financial services group with a clear focus on three main business pillars – Corporate and Investment Banking, Personal and Business Banking and Wealth Management.
Stanbic IBTC Bank legally became part of Standard Bank Group 24th August 2007. The Standard Bank Group merged its Nigerian operations, Stanbic Bank Nigeria with that of IBTC Chartered Bank PLC. Stanbic IBTC Bank is a major financial service provider engaged in personal banking, business banking, credit cards, corporate banking, non-interest banking and wealth and investment banking in Nigeria.

We offer all our clients a wide range of personal & commercial banking products through over 180 branches spread across every state in Nigeria and our online banking platforms.
We offer current, savings, and domiciliary accounts; personal loans, vehicle and asset finance; MasterCard debit cards, Visa credit cards; home loans; internet banking; small and medium scale enterprise (SME) loans and the award-winning *909# MobileMoney.
We cater for both individuals and businesses through carefully designed retail and business banking products. We also offer self-service channels powered by sophisticated technology to bring convenient banking to customers.
Our clients can also get custodial services through Stanbic Nominees Nigeria Limited, our custody arm and non-pension asset custodian, acting in a nominee capacity for clients’ transactions in securities and other investments.
We are a key player in financial inclusion and are poised to take banking to the doorsteps of our customers; taking care of the banking needs of different categories of persons and businesses.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.

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.