Head, consumer asset products needed in Lagos

Job Description/Requirements


  • Develop strategies and define value propositions for developing innovative Consumer Assets products and enhancements that will support the drive of the Retail business to achieve its business objectives.
  • Drive sales of asset products through strategic support to  sales channels on approvals and product knowledge, as  well as synergize to seek business opportunities
  • Lead the collaboration with relevant departments for the  design and implementation of product launch strategies for  product promotion campaigns and design of marketing  collaterals for Consumer Asset products
  • Coordinate and manage the development and
  • implementation of efficient processes that deliver consistent superior customer experience across the channels to  Consumer banking customers.
  • Monitor the financial performance of consumer asset products versus set budget to ensure alignment,
  • continuously conduct analysis and propose incentives to rectify shortfalls if any.
  • Drive knowledge transfer and management across the bank’s sales force as it relates to consumer banking through customized reports that will drive the right behaviour of productivity from sales teams, as well as bridge knowledge gaps.
  • Research and Monitor market trends, conduct market  intelligence, economic trend and keep up to date with  competition in order to develop the right
  • products/initiatives
  • Actively contribute to the review of credit policies on both  existing and new products to ensure compliance with the  Bank’s Risk appetite, Risk portfolio, Business strategy,  Regulatory changes and industry survey.
  • Develop & conduct specialized training on new products launched and raise awareness & application of relevant subject matter

Key Performance Indicator:


  • Cost Containment


  • Net Promoter Score


  • Staff Training & Development


  • Asset Quality (NPL Ratio)
  • New Product Launch/Product  Improvement Initiatives/Product Test
  • Processes in place to bring referral  rate down
  • Risk Asset Count
  • Risk Asset Volume
  • Standardization of reports
  • TAT in resolving issues


  • Risk & Control Rating
Professional Competencies: 
  • Retail Product development
  • Consumer Underwriting
  • Policy review & implementation
  • Marketing Research
  • Marketplace Knowledge
  • Customer needs identification
  • Knowledge of the Global Business Environment
  • Products Knowledge
  • Understanding of CBN Monetary Policies & Guidelines
  • Business Savvy Financing
  • Understanding of Complex Methods
  • Service Level Management
  • Negotiation
  • usiness Presentation Skill
  • Data / Information Management
  • Cultivating Networks
  • Stakeholder Management
  • Research Orientation
  • Communication
  • Credit analysis
  • Project Management
  • Contract Management
  • Understanding of Structured Products
  • Trade Finance & Documentary credit collections

Leadership Competencies

  • Business Acumen
  • Facilitating Change
  • Customer Focus

Behavioural Competencies: 

  • Interpersonal relations
  • Initiative
  • Analytical ability
  • Decision quality & Problem solving

Organizational Competencies: 

  • Attention to Detail
  • Company’s Ethics & Values
  • Continuous Learning
  • Drive for Results
  • Time/Self Management

Qualification &Experince: 

  • First Degree. Second degree will provide an advantage
  • 8-10 years Banking experience with at least 4years in Retail Consumer Banking

Click here to apply


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