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

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
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
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
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
Product & Segment Development Develop tailored financial solutions for SME and commercial clients Expand trade finance, cash management, and sector-specific offerings Improve competitiveness and product penetration Collaborate with product and treasury teams
Sales & Distribution Leadership Drive sales strategy and execution across commercial segments Set targets and KPIs for relationship teams Improve productivity and conversion rates Expand distribution channels and partnerships
Digital Transformation & Process Efficiency Lead digital initiatives in commercial banking (e.g., digital onboarding, loan processing) Improve turnaround time and operational efficiency Implement automation and workflow optimization Collaborate with fintech and technology partners
Regulatory Compliance & Governance Ensure adherence to central bank regulations and internal policies Maintain strong governance, audit readiness, and compliance standards Support regulatory inspections and reporting requirements Promote ethical banking practices
Leadership & Talent Management Lead and develop high-performing commercial banking teams Build leadership pipeline and succession plans Foster a performance-driven and client-centric culture Provide coaching, mentoring, and strategic direction Key Requirements Education Bachelor's or Master's degree in Finance, Business Administration, Economics, or related field MBA or professional banking qualifications preferred Experience 15–20+ years of experience in commercial or corporate banking Proven leadership in senior roles (e.g., Head of Commercial Banking, SME Banking Head, Corporate Banking Leader) Strong track record in portfolio growth, credit management, and client acquisition Skills & Competencies Deep understanding of SME and commercial banking markets Strong credit and risk management expertise Strategic thinking with P&L ownership experience Excellent client relationship and negotiation skills Leadership and team development Digital banking and innovation mindset Strong regulatory and compliance knowledge Key Performance Indicators (KPIs) Commercial portfolio growth (loans & deposits) Revenue and profitability (P&L performance) Portfolio quality (NPL/NPA ratios) Client acquisition and retention Cross-sell ratio and product penetration Turnaround time for credit approvals Compliance and audit outcomes Preferred Attributes Experience in large or multinational banking institutions Strong sector expertise (e.g., manufacturing, trade, agriculture, SMEs) Ability to manage large portfolios and complex client relationships Proven success in driving digital transformation Compensation & Benefits Competitive executive salary Performance-based incentives (linked to P&L and portfolio quality) Executive benefits and allowances