Job Details

Job Description

Position: Head, Business Banking

Division: Business Banking

Reporting Relationships:

Functionally reports to: Head, Corporate Banking

Administratively reports to: Head, Corporate Banking

Supervises:

Relationship Managers & Relationship Officers, SME Banking Teams

Job Objective(s):

• Lead and expand the bank’s SME and Commercial Banking portfolio.
• Provide strategic oversight, drive client acquisition, manage portfolios, and develop innovative banking solutions tailored to the unique needs of SMEs and commercial clients.

Job Description

Role and Responsibilities

Strategic Leadership & Portfolio Growth

• Develop and execute a comprehensive strategy for SME and Commercial Banking, aligned with UBA Zambia’s objectives.
• Lead the acquisition of new SME and commercial clients to grow market share.
• Oversee existing client relationships to ensure satisfaction and retention.

Product Development & Market Positioning

• Collaborate with the Product Development Team to design and implement solutions for SMEs and commercial clients.
• Conduct market research and competitor analysis to inform product offerings and identify growth opportunities.

Risk Management & Compliance

• Ensure compliance with Bank of Zambia regulations and internal policies.
• Implement effective risk management practices to maintain a healthy loan portfolio and minimize non-performing assets.

Team Leadership & Development

• Supervise and mentor Relationship Managers and Officers, fostering a high-performance culture.
• Provide training and development opportunities to enhance team capabilities.
• Financial Performance & Reporting
• Monitor and report on KPIs including loan growth, deposit acquisition, and profitability.
• Develop and manage budgets to ensure efficient resource allocation.

Key Performance Indicators

• Achieve the approved Business Banking (SME & Commercial) PBT target.
• 100% attainment of annual targets (Deposits, Risk Assets, Fees & Commission, Client Conversions).

Job Requirements

Education Requirements

• Bachelor’s degree in Business, Finance, Economics, or a related field with at least a Credit or better.
• MBA or professional banking qualifications are an added advantage.
• Full Grade Twelve School Certificate with five (5) credits including English and Mathematics.
• ZAQA-verified certificates.

Experience

• Minimum of 10 years in banking, with at least 5 years in a senior leadership role within SME or Commercial Banking.

Competencies

Knowledge

• Accounting, Finance, and Financial Analysis
• Policy and Regulatory Interpretation and Implementation
• Zambian Banking Industry
• Bank Policies, Products, and Services
• Relationship Management
• BOZ Regulatory Policies
• Financial Cost Management
• Internal Bank Processes
• Financial Services Sector
• Banking Products

Key Skills

• Strong understanding of the Zambian banking landscape and regulatory environment
• Proven track record in business development and portfolio management
• Excellent leadership, communication, and interpersonal skills
• Proficiency in digital banking platforms and financial analysis tools

To Apply:

United Bank for Africa is an equal opportunity employer. Interested candidates who meet the above requirements should send their application in a single document comprising a detailed Curriculum Vitae, Grade 12 Certificate, Degree, and other professional qualifications to [email protected] by 21st August 2025.