Managing Director - ZB Bank  Channel Manager, Analyst, Business Manager (Small and Micro Business), E-Banking Manager, Manager - Banking Operations, Mortgages Manager, District Manager (7) The Head Retail Bank is responsible for the growth and profit of the retail business line, branch network, and all initiatives to assure successful service delivery and strategy fulfillment. The incumbent leads all deposit and lending services, new product research and development, customer service and delivery systems, performance management, training and development, annual cost/benefit analysis of existing products, preparation of detailed reports for Committee and Board meetings and related regulatory compliance 1. Maintains overall responsibility for all aspects of utilizing the Bank's retail network, including the implementation of strategies and establishment of goals, to achieve growth, profit, operational efficiency and customer service objectives.
2. Collaborates with other Bank leaders and the Bank�s strategic partners in developing, implementing, and marketing new products and in making product and marketing strategy modifications.
3. Develops, implements and manages the Retail Bank budget.
4. Leads the Bank lending process, that is, mortgages and customer loans.
5. Manages credit to ensure the Bank minimizes bad debts and taking corrective action.
6. Leads the e-banking portfolio of the bank and the digitalization of the banking system.
7. Leads the development of systems and processes covering the Bank.
8. Leads the development of the SME business portfolio and informal sector.
9. Coordinates branch activities to standardize operations of the bank (61 branches).
10. Assesses opportunities to invest in new locations and assists the bank in developing a business development strategy.
11. Prepares Board packs and makes Board presentations as may be required.
12. Participates in the ALCO of the Bank and Credit Committees and chairs the Committees from time to time.
13. Develops and implements a training and development program for the Bank.
14. Develops and implements a succession planning program for the Bank.
15. Ensures compliance with all regulations and legislations that impact the Retail Bank division.
16. Performs any other duties that may be assigned by the Managing Director.
 Performance appraisal
Inspections
Audits 
Audits
Audits
Meetings
 Physical Inspection
Report Review
Performance Review
Meeting
  Projection for profitability
 Leave management
 Resource mobilization and allocation
 Deposits mobilization
 Report submission
   Minimum B.Com Accounting, Business Studies or B.Soc.Sc Economic Degree or equivalent, A holder of a post graduate degree such as MBA, MSc. Economics or equivalent is required.    Professional qualification such as full IOBZ, ZCTA, CFA, CIS, CIMA or ACCA is required, IPMZ Diploma, Doctorate in Economic, Business Management or equivalent 10 years  Must have experience in credit and risk management;
 Must have a thorough understanding of market trends and related dynamics and be able to advice management accordingly;
 Must be able to formulate and implement viable Retail Banking and Marketing strategies;
 Must have proven experience in carrying out negotiations at high levels, facilitating such meetings and preparing concise reports;
 Ability to analyse and deal with complex Retail Banking issues is needed;
 Must have proven budget formulation and budget control skills;
 Must have a proven track record and competence in project proposal formulation, management and implementation at a senior level;
 Must be an innovative and business oriented person with a thorough grounding in business management and dynamics;
 Must have proven team leadership skills;
 Must be highly organised and able to lead different work team simultaneously;
 Must be able to coach and mentor employees;
 Experience in business improvement or process implementation is required;
 Knowledge of HR and employee relations is a must;
 Conflict handling and negotiation skills are a must;
 Computer literacy (MS Office, MS Project) is essential amongst others
  Decides on which clients to lend to and what interest rates to offer them
 Decides on which prospective employees to recruit
 Decides on which staff to dismiss after assessment of the case at hand
 Decides on which business development initiatives to pursue
 Decides on how to roll-out and manage the branch network
 Decides on how to coordinate operations to achieve business objectives
 Decides on how to standardize operations
 Decides on strategic plan for the Retail division of the Bank
  Deciding optimum staff levels
 Deployment of staff
 Resolving errors made by staff
 Solving customer lending problems
 Ensuring compliance with regulation requirements
 Deciding where to establish a new branch


Job evaluation subgrade: E