Job Summary

• The Head: Retail Banking ARO, RBB is critical for steering  the Retail business  through the complexities of operating in ARO, ensuring strategic alignment, optimizing resources, and fostering a unified approach to retail excellence across the diverse landscape. This role will own the consolidated P&L for ARO Retail Bank.

Job Description

• Holistic Strategy Implementation working diverse market dynamics
• Operating in ARO entails navigating distinct market conditions, regulatory landscapes, and consumer behaviors. The Retail Head ensures a cohesive retail strategy that is adaptable to each country’s unique requirements, fostering a holistic approach to implementation.
• Optimizing ARO Synergies through  fostering collaborative Decision-Making
• In a matrixed organization, decision-making involves multiple stakeholders. The Retail Head serves as the central figure to align and interlock retail strategies, fostering collaboration among country CMCs and ensuring a unified approach towards shared objectives.
• Strategic Alignment Across Countries
• Consistency in Branding and Propositions-  Ensuring consistent customer experiences and product offerings across diverse countries is a significant challenge. The Retail Head plays a pivotal role in aligning branding, customer propositions, and retail initiatives to maintain a cohesive regional identity.
• Performance Accountability
• Unified Performance Metrics-  Standardizing performance metrics and objectives ensures clarity and accountability. The  Retail Head establishes a balanced scorecard, aligning country-specific goals with overall regional targets, facilitating effective performance evaluation and driving consistency in outcomes.
• Change Management Across Countries 
• Ensuring Smooth Transitions- Book of work initiatives impact multiple countries simultaneously and  the Retail Head takes charge of leading and sponsoring change initiatives, ensuring seamless transitions and realizing benefits across the region with minimum disruption.
• Customer-Centric Adaptability
• Tailoring retail strategies to local nuances is crucial. The Retail Head bridges the gap between central strategy and local implementation, leveraging insights from each country to enhance customer-centricity and responsiveness.
• Risk Management and Compliance
• Navigating Diverse Regulations- Operating in 9 countries means dealing with a myriad of regulatory frameworks. The Regional Retail Head ensures all retail activities comply with varying regulations, mitigating risks effectively, and upholding the bank’s commitment to ethical practices.

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)