Chief Retail Banking Officer

Reporting To: Chief Executive Officer (CEO) / Chief Banking Officer (CBO)

The Chief Retail Banking Officer (CRBO) is responsible for leading the retail banking division, driving growth in deposits, consumer lending, and customer acquisition while delivering exceptional customer experience.

This role oversees branch banking, digital channels, and retail product development, ensuring profitability, market expansion, and alignment with regulatory and risk frameworks.

Develop and execute retail banking strategy aligned with overall business goals

Drive growth in deposits, loans, and customer base

Identify new market opportunities and product innovations

Achieve revenue and profitability targets

Oversee branch network performance and expansion

Ensure operational excellence across all retail channels

Manage omnichannel delivery (branches, digital, call centers)

Improve service quality and efficiency

Manage retail products (savings, current accounts, personal loans, mortgages, cards)

Optimize product mix and pricing strategies

Monitor portfolio quality and growth

Enhance cross-selling and up-selling strategies

Drive customer-centric strategies and service excellence

Improve customer acquisition, retention, and satisfaction

Enhance digital banking experience and accessibility

Address customer complaints and service gaps

Ensure sound retail credit underwriting and risk management

Monitor portfolio quality (NPL/NPA levels)

Collaborate with risk and compliance teams

Maintain balance between growth and risk appetite

Lead digital transformation initiatives in retail banking

Promote mobile banking, internet banking, and digital onboarding

Collaborate with fintech partners

Improve operational efficiency through automation

Ensure compliance with central bank regulations and internal policies

Support audits, inspections, and regulatory reporting

Maintain strong governance and ethical practices

Align operations with compliance and risk frameworks

Drive sales performance across retail segments

Develop and execute sales strategies and campaigns

Strengthen distribution channels and partnerships

Monitor sales KPIs and productivity

Lead retail banking teams, including branch managers and sales teams

Build high-performance culture

Develop talent and succession planning

Foster collaboration and accountability

Bachelors or Masters degree in Finance, Business Administration, Economics, or related field

MBA or professional banking qualifications preferred

15+ years of experience in retail banking or financial services

Proven leadership in senior retail banking roles (e.g., Head of Retail Banking, Regional Head, Branch Network Head)

Strong experience in retail products, sales, and customer management

Strong knowledge of retail banking operations and products

Expertise in sales, distribution, and customer experience

Strategic thinking and business growth capability

Risk awareness and regulatory knowledge

Leadership and team management

Digital banking and innovation mindset

Excellent communication and stakeholder management

Growth in deposits and retail loan portfolio

Customer acquisition and retention rates

Branch performance and productivity

Digital banking adoption

Portfolio quality (NPL/NPA levels)

Customer satisfaction scores

in large or multinational banking institutions

Strong exposure to digital transformation initiatives

Ability to manage large-scale retail operations

Strong leadership and market insight

Competitive executive salary

Performance-based incentives

Executive benefits and allowances

Role Level: Not Applicable Work Type: Full-Time Country: United Arab Emirates City: Dubai Company Website: http://www.thehivecareers.co Job Function: Finance Company Industry/

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