Head, Retail Banking

About the role

National Commercial Bank Jamaica Limited (NCBJ), the largest financial group in Jamaica, is looking for a Head, Retail Banking to lead the next chapter of retail banking. Reporting to the CEO of NCB Jamaica Limited, you will drive sustainable growth, profitability and customer value across Consumer, SME and Private Banking and NCB Insurance Agency, while shaping strategy, financial performance and balance sheet optimization, and championing digitalization and responsible AI adoption. The role covers Group Client Impact strategy across relevant business lines and subsidiaries, excluding Capital Markets.

Key responsibilities

• Set and execute the three-to-five-year strategy for assigned businesses, identify market opportunities and align investment priorities with shareholder value.
• Own end-to-end profit and loss performance, including lending, deposits, fees, margins and cost efficiency, and partner with Treasury, Finance and Risk on pricing, balance sheet optimization and risk-adjusted returns.
• Lead the Group Client Impact agenda, set service standards and use customer feedback to remove friction across physical and digital channels.
• Direct commercial performance across Consumer, SME and Private Banking and retail distribution, optimize the branch network and relationship teams, and oversee NCB Insurance Agency.
• Sponsor digital capabilities, predictive analytics, automation and responsible AI, and grow digital acquisition, sales and self-service.
• Strengthen sales execution and pipeline discipline, and partner with Credit, Risk and Operations to improve credit origination and reduce turnaround times.
• Exercise first-line risk stewardship, oversee controls and remediation, represent the businesses before the Board and regulators, and foster collaboration across business, technology and control functions.
• Build a high-performing executive team, develop successors and shape the structures needed to deliver strategy.

Required profile

• Postgraduate master's degree (MBA, MSc or equivalent) in Finance, Banking, Economics, Marketing, Quantitative Management or a related discipline.
• At least 15 years of progressive experience in a large financial institution or retail banking environment.
• At least 10 years of senior management experience with direct accountability for major retail banking operations, consumer/SME lending portfolios or digital channel transformation.
• Jamaican residency, with periodic local and international travel and flexibility to work outside standard hours.

Required skills

• Retail banking, financial management, capital allocation, balance sheet optimization, pricing, financial modelling and RAROC.
• Consumer, SME and Private Banking, insurance agency distribution, remittances and customer value management.
• Digital architecture, AI and generative AI, predictive analytics, automated underwriting, cloud, API and data platforms.
• Credit underwriting, Basel III, prudential requirements, AML/CFT, fraud risk, operational resilience and three-lines-of-defence responsibilities.