Head Business Banking – Botswana Savings Bank

Core Accountabilities and Responsibilities

1. Contribute to the development and execution of the organisation’s strategy by translating Business Banking objectives into actionable plans, targets, and performance frameworks.
2. Drive sustainable growth in the Business Banking portfolio by expanding lending, deposits (particularly CASA), and transactional banking volumes in line with approved targets.
3. Develop and execute client acquisition and retention strategies, including segmentation of SME and business clients, to increase market share and deepen customer relationships.
4. Lead the development of value propositions and tailored financial solutions for business clients, ensuring alignment with customer needs and market opportunities.
5. Oversee end-to-end credit processes, including origination, assessment, approval, and monitoring, ensuring adherence to credit policies, risk appetite, and regulatory requirements.
6. Monitor and actively manage the quality of the loan book, including early identification of risk, implementation of corrective actions, and collaboration with Risk and Collections to minimise non-performing loans.
7. Drive non-interest revenue growth through payments, cash management, trade finance, and other transactional banking solutions, increasing the bank’s share of client wallet.
8. Ensure delivery of high-quality, efficient service by improving turnaround times, streamlining processes, and enhancing overall customer experience across all Business Banking touchpoints.
9. Collaborate with internal stakeholders (Products, Risk, Operations, Finance, MIS, Digital) to optimise product offerings, pricing, processes, and systems to support Business Banking growth.
10. Provide strategic input into product development and innovation, ensuring that Business Banking solutions remain competitive and relevant to the market.
11. Ensure full compliance with regulatory requirements, internal policies, and governance standards, safeguarding the Bank against financial, operational, and reputational risk.
12. Lead, develop, and build a high-performance Business Banking team by setting clear targets, driving accountability, and fostering a strong sales and customer-centric culture.
13. Monitor performance against agreed targets and KPIs, analyse business trends, and implement corrective actions to address performance gaps.
14. Prepare and present periodic management reports on Business Banking performance, including financial results, portfolio quality, and strategic initiatives, to Executive Management and the Board.
15. Build and maintain strong relationships with key external stakeholders, including regulators, industry bodies, and strategic partners, to support business growth and market positioning.

PERFORMS SUCH OTHER RELATED ACTIVITIES AS DIRECTED BY THE CEO

Qualifications:

• Bachelor’s Degree in Finance, Banking, Business Administration or related field
• Master’s degree (MBA or equivalent) is an added advantage

Experience:

• At least ten (10) years’ experience in banking or financial services, with a minimum of three (3) years at senior management level in Business or SME Banking.

Competencies:

• Strategic management
• Credit and risk management
• Relationship management
• Leadership and people management
• Results focus
• Communication, impact and influence