General Manager – Retail & Fintech

**DUE: 12 NOV 2026** ZB Bank invites applications from accomplished, commercially driven leaders for the role of General Manager - Retail & Fintech. This executive position offers an opportunity to lead the Bank’s retail growth engine and accelerate its evolution into a customer-centric, digitally led and fintech-enabled banking business. Reporting to the Chief Executive Officer - Banking Cluster, serving as a member of the Bank Executive Committee (EXCO), the successful candidate will have overall strategic, commercial and performance accountability for Retail & Fintech, spanning retail and digital banking, growth ventures, merchant services and agency banking, business banking, and customer journeys and lifecycle management. We seek a proven business builder who combines strong retail banking P&L leadership with hands-on experience scaling digital financial services, payments and new propositions into active customers, sustainable revenues, profitable growth and improved customer value. **Key Accountabilities** - Set and execute the Retail & Fintech strategy and operating plan, with clear accountability for active customers, low-cost deposits, quality lending, transaction revenue, profitability and cost efficiency. - Grow the retail banking franchise through compelling personal banking propositions, strong customer acquisition, digital distribution and productive physical and assisted channels. - Lead the commercial scaling of digital banking and growth ventures, including wallet, digital marketplace and ecosystem propositions, from business case and launch to sustainable monetization. - Expand merchant acquiring, POS acceptance and agency banking networks, strengthening payment volumes, fee income, market reach and merchant and agent economics. - Build a competitive business banking franchise serving SMEs and growing enterprises through relationship-led deposits, responsible lending origination and transaction banking solutions. - Drive end-to-end customer journey and lifecycle performance, improving onboarding, activation, engagement, cross-sell, retention, digital adoption and customer lifetime value through analytics. - Forge strategic partnerships and collaborate with Group Technology, Operations, Credit, Finance, Risk and Compliance to deliver reliable, secure and well-controlled products and platforms. - Lead a high-performing team and commercial governance discipline, using clear scorecards, venture unit economics, investment prioritization and measurable business outcomes. **Qualifications And Experience** - Bachelor’s degree in Banking, Finance, Business, Economics, Technology or a related discipline; an MBA or relevant postgraduate qualification is an advantage. - At least 10 years’ relevant experience in retail banking, digital financial services, fintech or payments, including a minimum of 5 years in senior executive or business leadership with significant P&L accountability. - Proven record of growing a retail or digital financial-services franchise, with measurable results in customer acquisition, deposits, transaction activity, revenues and profitability. - Demonstrable experience building or scaling digital banking, payments, merchant ecosystems, agency networks or fintech ventures, with strong understanding of unit economics and commercial execution. - Experience leading multidisciplinary teams and partnerships in regulated financial services, with sound knowledge of banking products, customer conduct, credit disciplines and governance. **Core Competencies** - Exceptional commercial leadership, strategic judgement and end-to-end P&L ownership, with the ability to translate ambitious growth targets into execution plans. - Deep understanding of retail banking economics, digital financial services, payments, fintech platforms, merchant acquiring and ecosystem business models. - Strong analytical and customer-growth capability, including pricing, customer segmentation, data-driven decisions, product adoption and lifecycle monetization. - Proven ability to build high-performing teams, attract specialist talent, form partnerships and lead complex cross-functional transformation. - Entrepreneurial mindset balanced with disciplined risk management, regulatory awareness, operational resilience, integrity and customer trust. **TO APPLY** Interested candidates are encouraged to apply on or before 12 November 2026. Click here to apply **ZB Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will be considered for employment without regard to race, colour, religion, sex, national origin or disability.**