Job Description

Key responsibilities

• Assess Retail Banking performance against key performance indicators (KPIs) on a daily,
  
  weekly, monthly, and ad-hoc basis as required. Prepare and analyse periodic income statements, balance sheets, and business unit activity reports to clearly highlight period on-period performance, trends, and variances.
• Proactively engage with and influence Retail Business stakeholders by providing high value financial insights, commercial recommendations, and analytical support to optimize business performance and drive sustainable growth.
• Coordinate and facilitate weekly Retail Banking business review meetings to monitor performance against targets. Present value-adding financial analysis and insights during the sessions, record accurate minutes, assign actions, and rigorously follow up with responsible owners to ensure timely closure.
• Conduct detailed financial analysis of transactions, new products, projects, marketing
  
  campaigns, and other initiatives to quantify their impact on profitability and the bottom
  
  line. Provide clear, evidence-based recommendations to Relationship Managers and
  
  Retail Segment leadership to support informed go/no-go decisions
• Assist in the development, coordination, and finalization of the annual budget for Retail
  
  Banking, working closely with various job families and sub-units within the Retail portfolio to produce accurate, strategically aligned, and realistic financial plans.
• Review and validate Retail Management Performance Reports (MPR) in the Vision
  
  system on a regular basis to ensure accuracy, completeness, and timeliness of data.
• Collaborate closely with Retail Business stakeholders to anticipate future financial requirements, identify opportunities, and develop efficient, value-adding financial solutions and strategies to support business objectives
• Analyse Retail Business performance trends on a monthly basis, pinpoint key drivers, favourable/unfavourable variances, and emerging risks/opportunities; communicate actionable insights and recommendations to Retail leadership and Executive Management to inform strategic decision-making.
• Partner with the Revenue Assurance unit to conduct monthly reviews of all income lines, identify potential revenue leakages, implement preventive controls, and ensure full revenue capture and integrity.
• Assist in planning, coordinating, and facilitating Retail Monthly Performance Review
  
  (MPR) and Quarterly Performance Review (QPR) sessions, including data collation,
  
  presentation support, and follow-up on outcomes.
• Perform regular reviews of General Ledgers (GLs), identify and highlight any anomalies, discrepancies, or irregularities; escalate issues as needed and diligently follow up to ensure prompt resolution and satisfactory closure.
• Conduct detailed financial analysis of transactions (including deposits and loans), assessing their impact on profitability and the bottom line; provide clear, data-driven recommendations to Relationship Managers and Retail Segment leadership to support informed go/no-go decisions on accepting or declining opportunities
• All other duties as may be assigned

Key performance measures/deliverables

• Ensure all financial and performance reports are prepared with high accuracy and delivered within required timelines; provide constructive feedback and recommendations to enhance report quality, usability, and decision-making value.
• Deliver high-quality, insightful financial analysis and input to support effective business decision-making across Retail Banking, translating complex data into clear, actionable recommendations for stakeholders.
• Apply commercial acumen and experience to constructively challenge business assumptions in forecasting, planning, and budgeting processes. Interpret financial analysis to empower stakeholders and the team to make robust, data-driven decisions, achieve performance targets, and drive sustainable value creation
• Identify exceptions and discrepancies during General Ledger (GL) reviews and report preparation processes; promptly investigate root causes, resolve issues where possible, or escalate material items to appropriate stakeholders for timely resolution, ensuring
  
  financial integrity and compliance.

Problem solving, planning and decision making
Problem Solving

• Daily investigation of P&L and Balance sheet transactions, balances and variances.
• Assist in designing processes to improve business performance measurement.
  
  Ad-hoc queries

Planning

• Daily time management – tasks are generally carried out daily.
• Knowledge, experience and personal competencies

Basic Qualification

• A First Degree in Accounting or Finance (BSc Accounting, B.Comm , etc)
• Part or full qualification in Professional Accountancy (CA, ACCA, CIMA, etc)

Experience

• 1-2 years’ experience working in financial reporting (a finance or risk support role would
  
  be sufficient).
• Working knowledge of accounting software. (Knowledge of Flex cube or Bank Master will
  
  be an advantage.)

Personal Competencies

• Ability to analyze and evaluate data for acceptability and correctness.
• Analytical mind with strong orientation to financial analysis.
• Ability and experience in communicating with all levels of management regarding
  
  management information needs.
• Good interpersonal skills required in liaising with people at different levels within and outside the bank.
• Strong report writing skills.
• Dynamic self-starter with a personal ambition to succeed.
• Ability to work under pressure to meet tight deadlines.
• Excellent computer skills particularly in MS Word, MS Excel, MS Access & Power Point.