Job Description: Chief Retail Banking Officer (CRBO)

Industry: Banking, Financial Services

Job Type: Full-Time

Reporting To: Chief Executive Officer (CEO) / Chief Banking Officer (CBO)

Job Summary

The Chief Retail Banking Officer (CRBO) is responsible for leading the retail banking division, driving growth in deposits, consumer lending, and customer acquisition while delivering exceptional customer experience.

This role oversees branch banking, digital channels, and retail product development, ensuring profitability, market expansion, and alignment with regulatory and risk frameworks.

Key Responsibilities

1. Retail Banking Strategy & Growth

Develop and execute retail banking strategy aligned with overall business goals

Drive growth in deposits, loans, and customer base

Identify new market opportunities and product innovations

Achieve revenue and profitability targets

2. Branch & Channel Management

Oversee branch network performance and expansion

Ensure operational excellence across all retail channels

Manage omnichannel delivery (branches, digital, call centers)





Improve service quality and efficiency

3. Retail Products & Portfolio Management

Manage retail products (savings, current accounts, personal loans, mortgages, cards)

Optimize product mix and pricing strategies

Monitor portfolio quality and growth

Enhance cross-selling and up-selling strategies

4. Customer Experience & Engagement

Drive customer-centric strategies and service excellence

Improve customer acquisition, retention, and satisfaction

Enhance digital banking experience and accessibility

Address customer complaints and service gaps

5. Credit & Risk Coordination

Ensure sound retail credit underwriting and risk management

Monitor portfolio quality (NPL/NPA levels)

Collaborate with risk and compliance teams

Maintain balance between growth and risk appetite

6. Digital Banking & Innovation

Lead digital transformation initiatives in retail banking

Promote mobile banking, in

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