Job Description

Hello Future Managing Executive

Welcome to FNB Broader Africa, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

Role Purpose:

Provide strategic leadership, commercial direction, and end-to-end P&L accountability for Retail or Commercial Banking across multiple African markets. The job drives sustainable growth, competitive propositions, multi-segment customer value, and strong governance while enabling digital transformation and operational excellence across diverse regulatory environments.

Are you someone who can:

• Define, lead, and continuously refine the multi-country strategy for Retail or Commercial Banking, addressing market maturity, competitive dynamics, and regulatory needs in each jurisdiction.
• Translate Group strategic ambitions into executable country-level business plans with clear performance targets, financial outcomes, and transformation objectives.
• Evaluate market-entry opportunities, partnerships, and ecosystem plays (fintech, telco, payments, platform integrations) to expand distribution, improve customer access, and diversify revenue streams.
• Champion innovation and digital disruption initiatives to future-proof business models and unlock multi-market synergies.
• Own end-to-end P&L for Retail or Commercial Banking across markets, balancing growth, profitability, and risk to maximise long-term franchise value.
• Lead the design and management of product suites across segments: deposits, lending, payments, working capital, trade, FX, cash management, merchant solutions, and insurance partnerships.
• Enhance pricing models, fees, and value-based bundling to optimise returns while ensuring affordability and regulatory compliance.
• Monitor and manage portfolio performance including revenue drivers, cost lines, capital usage, impairment trends, and portfolio diversification across sectors and customer types.
• Develop customer strategies for retail segments (mass, mass affluent, youth, premium) and commercial segments (SME, mid-market, agri, sector specialists).
• Strengthen omni-channel distribution by integrating digital platforms, branches, ATMs, agents, merchants, and call centres into a unified customer experience.
• Drive improvement in customer acquisition, retention, cross-sell, and share-of-wallet through advanced analytics, targeted value propositions, and lifecycle management.
• Establish and oversee customer experience standards, service KPIs, complaints management, and NPS improvement programmes across all countries.
• Serve as accountable executive for first-line risk management across retail and commercial portfolios, ensuring robust credit origination, monitoring, and portfolio controls.
• Strengthen credit governance frameworks, early warning systems, collections effectiveness, and recovery strategies to maintain portfolio health and minimise impairments.
• Ensure compliance with regulatory and statutory requirements across all jurisdictions including AML/CFT, KYC, consumer protection, data privacy, market conduct, and prudential guidelines.
• Embed a strong risk culture across multi-country teams, ensuring adherence to Group Risk Appetite and effective control environments.
• Drive multi-country digital transformation by championing intuitive customer journeys, selfservice capabilities, and straight-through processing across retail and commercial channels.
• Partner with Technology and Operations to implement scalable, interoperable platforms that enhance uptime, stability, cybersecurity resilience, and operational efficiency.
• Promote data and analytics maturity across markets by embedding predictive analytics, customer insights, pricing models, and performance dashboards.
• Guide automation and process optimisation initiatives to reduce cost-to-serve, turnaround times, and operational bottlenecks.
• Lead high-performing multi-country leadership teams, ensuring strong succession pipelines, talent mobility, and capability uplift for critical skills.
• Champion a culture of accountability, collaboration, inclusion, performance excellence, and empowerment across African markets.
• Identify and develop leadership talent through coaching, structured development, and performance management frameworks.
• Oversee workforce plans, skills transformation, and resource optimisation to enable operational effectiveness across markets.
• Represent the business in high-level engagements with regulators, central banks, financial industry bodies, and key government stakeholders across African markets.
• Build and maintain strategic partnerships with DFIs, guarantee agencies, payments networks, telcos, fintechs, ERP providers, and corporate ecosystems to expand reach and enhance value propositions.
• Influence Group executive committees, Group functions, and country executive teams to ensure alignment of strategy, policies, investment decisions, and risk appetite.
• Serve as a senior ambassador for the institution across Africa, enhancing brand reputation and supporting market development initiatives.

You will be an ideal candidate if you have:

• A bachelor’s degree in business, Commerce, Finance, Economics, Banking, Accounting, or a related field.
• A postgraduate qualification, with an MBA or master’s degree being advantageous.
• 15+ years' experience within the Banking or Financial Services industry.
• 10+ years' experience in senior executive leadership roles with P&L accountability.
• Proven experience leading Retail Banking, Commercial Banking, or both across multiple countries or regions. Strong track record in strategy execution, business growth, and commercial performance management.
• Experience driving digital transformation, innovation, and customer-centric business models.
• Deep understanding of risk management, governance, regulatory compliance, and credit portfolio management across multiple jurisdictions.
• Demonstrated success in influencing regulators, executive stakeholders, and strategic partners across African markets.
• Proven ability to lead large, diverse teams and build high-performing, accountable cultures.

You will have access to:

• Opportunities to network and collaborate.
• Challenging Work.
• Opportunities to innovate.

We can be a match if you are: 

• Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to do both.
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it.

Are you interested to take the step? We look forward to engaging with you further. Apply now!

Important Closing Date Note

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.