Head of Branch Banking Division

Educational Qualifications:

• Master’s degree or a 4-year undergraduate/postgraduate degree in Business, Finance, Economics, or a related discipline from a recognized university. Professional banking certifications are preferred.

Experience:

• Minimum 15 years of professional experience, specifically in the banking sector.

• Extensive experience in branch banking and distribution, with substantial exposure to Retail, SME, Wholesale, and Card businesses within a reputable bank in Bangladesh.

Functional Competencies:

• Comprehensive understanding of banking products, including deposits, consumer loans, SME facilities, corporate/wholesale facilities, trade finance, and card/payment solutions.

• Strong analytical skills in portfolio management, budgeting, ALM (cost of funds, liquidity, interest rate risk), and NPL management.

• Sound knowledge of Bangladesh Bank regulations, AML/CFT guidelines, and internal risk, credit, and operational policies.

Behavioral Competencies:

• Proven leadership and people management skills, capable of overseeing large, geographically dispersed teams.

• Excellent communication, influencing, and negotiation abilities with both internal and external stakeholders.

• High drive for results, customer-focused, demonstrating integrity, resilience, and adaptability in a dynamic business environment.

• Ability to lead and support change management initiatives, fostering a culture that drives transformation.

• Develop and lead regional and branch-level business plans and sales budgets, monitor monthly and quarterly performance, and implement corrective measures to achieve ABP and reforecast targets.

• Drive mobilization of CASA, term deposits, payroll accounts, institutional deposits, and high-net-worth client deposits through branches, ensuring defined targets for volume, mix, and cost of funds.

• Promote cross-selling of banking products and services to strengthen customer relationships and enhance revenue opportunities.

• Ensure strict adherence to account-opening governance, KYC/AML standards, and deposit pricing discipline within delegated authority and bank policies.

• Take full accountability for the asset quality of branch-sourced portfolios, including monitoring SMA, classified loans, write-offs, and recovery performance.

• Implement early warning systems, delinquency triggers, and portfolio review routines, proactively driving preventive measures such as restructuring and rescheduling in line with policy and regulatory guidelines.

• Coordinate with Special Asset Management and Recovery teams on complex cases, support legal proceedings, and monitor recovery strategies to minimize NPL ratios and credit costs.

• Lead branch-led sales initiatives for debit and credit cards, merchant acquiring (POS/PG), and other payment products across Retail, SME, and Wholesale segments.

• Set and monitor activation, usage, spending, and portfolio quality targets for branch-sourced card business, ensuring effective chargeback management, fraud monitoring, and limit compliance in coordination with Cards & Risk units.

• Integrate card and payment solutions into broader relationship offerings (e.g., payroll, SME working capital, wholesale transaction banking) to increase fee income and enhance customer retention.

• Maintain robust operational controls, ensure AML/CFT compliance, uphold service quality, and comply with regulatory requirements across the network, including timely closure of internal audit, Bangladesh Bank inspections, and compliance observations.

• Ensure accurate and timely reporting while implementing Head Office directives effectively.

• Provide leadership, mentoring, and performance management to Regional Heads, Cluster/Area Managers, and Branch Managers, establishing clear KPIs, performance differentiation, and succession planning.