Our history dates back to 1986 when we were incorporated under the brand name, Credit Kenya Limited and commenced operations the same year as a financial institution. Later in 1995, we upgraded to a fully-fledged commercial bank and changed our brand name to Credit Bank Limited (CBL). The Bank currently has sixteen branches dotted across the country. In Nairobi, we have five branches in City Centre – Koinange Street (opened in 1995), Westlands – Empress Office Suites (2010), Industrial Area branch – Butere Road (2010), Lavington – Lavington Mall (2014) and Ngong Road – Silkwood Office Suites (2016). Our upcountry branches are in Kisumu – Swan Centre (1998), Nakuru – Giddo Plaza (2001), Kisii – Hospital Road (2004), Nakuru – Kenyatta Avenue branch (2012), Eldoret – Zion Mall (2013), Ongata Rongai – Maasai Mall (2013), Mombasa – Nyali Center (2013), Machakos – MboluMalu Road (2014), Thika – Biashara Plaza (2014), Kitengela – Safari House (2014), and Meru Town – Stemuki Building (2016) The Bank is committed to deliver cost effective innovative financial service solutions. The Bank works in partnership with all customers to help them realize their personal and business dreams as well as creating tangible value giving them an unforgettable experience. Credit Bank has a long and deep heritage, giving it tremendous potential to exploit economic and financial opportunities while effectively managing any business threats with the aim of achieve its strategic goals. The Bank has a strategic focus to be an institution of choice offering financial solutions driven by efficiency, innovation and technology. DUTIES AND RESPONSIBILITIES Define and execute a focused retail strategy covering target customer segments, products, channels, and distribution models within approved risk appetite. Provide strategic leadership and oversight of the branch network to drive growth in deposits, quality lending, customer acquisition, and transaction volumes. Drive Retail Banking financial performance through growth in profitability, deposits, lending, and operational efficiency in line with business targets. Meet agreed individual performance targets and ensure achievement of Retail Banking business objectives in line with the Bank’s performance management framework. Ensure disciplined retail lending growth and full accountability for portfolio quality, including reduction of NPLs, recoveries, restructures, and portfolio remediation. Strengthen credit underwriting standards, portfolio monitoring, early warning systems, and risk controls to prevent recurrence of legacy asset quality issues. Set and enforce clear performance standards for Branch Managers and Retail teams covering sales, service delivery, compliance, productivity, and risk management. Drive operational efficiency, process automation, channel migration, and cost optimization initiatives to improve productivity and reduce cost-to-serve. Ensure full compliance with CBK regulations, internal policies, audit requirements, and governance standards across the Retail Banking function. Lead, motivate, and develop Retail Banking teams by fostering a high-performance, accountable, customer-centric, and risk-aware culture. Identify growth opportunities and work with the marketing and product development team to design, price and launch tailored products/services for retail and high-value customers; and monitor their performance. Work with branch managers to  strategize and ensure turnaround of loss-making branches. Any other duties as may be assigned from time to time. MINIMUM QUALIFICATIONS, SKILLS AND EXPERIENCE REQUIRED Bachelor’s degree in business, Finance, Economics, or a related field. Master’s degree (MBA or equivalent) and/or professional qualifications are an added advantage. Minimum of 12 years’ Banking experience, with at least 5 years at senior management level. Strategic and commercial acumen Leadership and team management Results orientation and accountability Stakeholder management and influencing skills Risk awareness and sound decision-making