• Application Deadline:
• Position: Head, Community Banking



• Job Type Full Time



• Qualification BA/BSc/HND , MBA/MSc/MA



• Experience 8 - 10 years



• Location Lagos




• Job Field Banking 
  
  

Job Description

• The Group Head Community Banking is responsible for developing and managing banking relationships with organized groups, associations, cooperatives, and community-based organizations.


• This role focuses on financial inclusion by providing tailored banking solutions to underserved segments through group-lending models, community engagement, and relationship management with collective entities.

Responsibilities 

• Develop and execute comprehensive strategy for community banking segment aligned with bank's financial inclusion objectives and growth targets


• Identify and evaluate market opportunities within the community banking space including cooperatives, trade associations, religious groups, market associations, and social clusters


• Build and maintain strategic partnerships with apex cooperative bodies, trade unions, community development associations, and other stakeholder organizations


• Set annual targets for customer acquisition, deposit mobilization, loan disbursement, and portfolio growth


• Lead innovation in product development tailored to community banking needs (group savings, cooperative loans, association financing, thrift collector programs)


• Represent the bank at community stakeholder forums, cooperative summits, and financial inclusion platforms


• Build, lead, and manage a high-performing community banking team across multiple locations/zones


• Recruit, train, and develop community banking officers and field staff with appropriate skills and competencies


• Conduct regular performance reviews, coaching sessions, and capacity building programs for team members


• Set individual and team targets aligned with segment objectives


• Foster a culture of customer-centricity, integrity, and financial inclusion within the team


• Portfolio Management & Risk Mitigation


• Oversee community banking loan portfolio ensuring quality, growth, and compliance with credit policies


• Monitor portfolio performance metrics including NPL ratios, portfolio at risk (PAR), and delinquency rates


• Implement risk mitigation strategies for group lending including joint liability mechanisms and social collateral


• Conduct regular portfolio reviews and implement remedial actions for underperforming accounts


• Approve community banking loans within delegated authority limits


• Ensure robust credit assessment processes for cooperatives and community groups


• Product Development & Service Innovation


• Design and launch community banking products addressing specific needs of target segments


• Develop group-lending methodologies, cooperative finance models, and association banking frameworks


• Create financial literacy and capacity building programs for community banking clients


• Leverage technology and digital channels to enhance community banking service delivery


• Implement innovative savings mobilization strategies including mobile money integration and agent banking models


• Stakeholder Management & Partnerships


• Cultivate relationships with cooperative federations, market leaders, religious institutions, and community development organizations


• Engage government agencies, NGOs, and development finance institutions for partnership opportunities


• Coordinate with internal stakeholders (Operations, Risk, Compliance, Marketing) to ensure seamless service delivery


• Represent the community banking segment in management meetings and strategic planning sessions


• Compliance & Regulatory Adherence


• Ensure all community banking activities comply with CBN regulations, AML/CFT requirements, and internal policies


• Implement robust KYC procedures for all community groups, cooperatives, and associations


• Monitor and report suspicious transactions and ensure adherence to consumer protection guidelines


• Conduct regular compliance audits of community banking operations and documentation


• Liaise with regulatory bodies on community banking and financial inclusion initiatives


• Reporting & Performance Tracking


• Prepare and present monthly, quarterly, and annual performance reports on community banking segment


• Track and analyze key performance indicators (KPIs) and recommend corrective actions


• Monitor market trends, competitor activities, and emerging opportunities in the community banking space


• Provide data-driven insights to inform strategic decision-making and resource allocation.

Requirements

• Bachelor’s Degree in Business Administration, Finance, Banking, Economics, Social Sciences, or related field; MBA or Master's degree in related field preferred


• Professional certifications in Microfinance, Cooperative Management, Community Development Finance, or Banking (e.g., CIBN, ACIB, Chartered Banker) highly desirable


• 8-10 years of progressive experience in community banking, microfinance, cooperative banking, or SME banking


• At least 5 years in management/leadership roles overseeing teams and portfolios


• Proven track record in building and managing community banking or microfinance portfolios


• Experience in financial inclusion initiatives, group-lending methodologies, and cooperative finance


• Strong understanding of Nigeria's community banking ecosystem, cooperative movements, and association structures


• Ability to develop vision and execute growth


• strategies for community banking segment


• Exceptional skills in building partnerships with diverse community stakeholders


• Proven ability to recruit, develop, and manage high-performing field teams.