Direct Reports: Heads of SME Banking, Relationship Management, Commercial Credit, Trade Finance
Job Summary
The Chief Commercial Banking Officer (CCBO) is responsible for leading the bank's commercial banking business, focusing on SME and mid-market client segments. This role drives revenue growth, portfolio expansion, and client relationship excellence while ensuring disciplined credit risk management and regulatory compliance.
The CCBO plays a pivotal role in balancing business growth with asset quality, delivering sustainable profitability, and strengthening the bank's market position in the commercial segment.
Key Responsibilities
1. Commercial Banking Strategy & P&L; Ownership
Define and execute commercial banking strategy aligned with enterprise objectives
Own full P&L; for SME and mid-market segments
Drive revenue growth across lending, deposits, and fee-based income
Identify target sectors and growth opportunities
2. Client Acquisition & Relationship Management
Lead acquisition of SME and mid-market clients
Strengthen relationships with key commercial clients
Oversee relationship management teams and business bankers
Enhance client retention and lifetime value
3. Lending & Credit Oversight
Oversee commercial lending (working capital, term loans, trade finance)
Ensure strong underwriting standards and disciplined credit practices
Approve large/complex deals within delegated authority
Balance growth with prudent risk management
4. Portfolio & Risk Management
Monitor portfolio performance, asset quality, and concentration risks
Manage non-performing loans (NPL/NPA) and recovery strategies
Align portfolio growth with defined risk appetite
Identify early warning signals and mitigate risk exposure