The Chief Deposit Officer is responsible for leading the bank's deposit strategy, driving growth in core deposits, and optimizing deposit products and pricing. This role focuses on enhancing customer acquisition and retention, managing funding costs, and ensuring a stable and diversified deposit base. The CDO will work closely with retail, commercial, treasury, and marketing teams to align deposit initiatives with the bank's overall growth and liquidity objectives.

Key Responsibilities:

1. Deposit Strategy & Growth

Develop and execute strategies to grow retail, SME, and corporate deposit portfolios.

Drive initiatives to increase low-cost and stable deposits (CASA).

Identify new market opportunities, segments, and product innovations.

2. Product Development & Pricing

Oversee design and management of deposit products (savings, current, term deposits).

Set competitive pricing strategies in alignment with market conditions and treasury goals.

Continuously evaluate product performance and customer needs.

3. Customer Acquisition & Retention





Lead campaigns and initiatives to acquire new deposit customers.

Develop retention strategies to improve customer loyalty and reduce churn.

Enhance customer experience across all deposit touchpoints (branches, digital channels).

4. Liquidity & Balance Sheet Management

Collaborate with treasury and finance teams to manage liquidity and funding requirements.

Optimize cost of funds and maintain a diversified funding base.

Monitor deposit trends, runoff rates, and concentration risks.

5. Sales & Channel Management

Work with retail and commercial banking teams to drive deposit mobilization.

Strengthen distribution channels including branches, digital platforms, and partnerships.

Support frontline teams with tools, training, and incentives to boost deposit growth.

6. Risk, Compliance & Governance

Ensure compliance with regulatory requirements related to deposits and consumer protection.

Monitor operational and reputat

📌 Chief Deposit Officer (Trinitat)
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📍 Trinitat