Head, Distribution & Digital Channel Growth

About the role

A CBN-licensed, technology-driven financial institution in Lagos is recruiting a Head, Distribution & Digital Channel Growth. The role provides end-to-end leadership of the bank's physical and digital distribution channels, including agents, merchants, POS terminals, debit cards, digital platforms, branches, service points and strategic channel partnerships. It turns customer, deposit, transaction and revenue targets into territory plans, distribution requirements, sales programmes and deployment budgets, while Technology and Operations retains responsibility for platform availability and transaction processing.

Key responsibilities

• Develop and execute the integrated distribution, agency banking, digital channel and channel sales strategy, with annual and medium-term expansion plans and budgets
• Drive customer acquisition, activation and repeat usage across mobile, web, POS, agent, merchant and digital touchpoints, and set monthly, quarterly and annual targets
• Build and lead a field sales and channel development team, cascade targets, run field visits and pipeline reviews, and design agent and merchant commission and incentive programmes
• Lead debit card demand planning, coordinate onboarding kits and marketing materials, and review location performance for expansion, restructuring or closure
• Own channel revenue, deposits, transaction volumes, operating costs and profitability, maintain sales dashboards and give management forecasts and corrective recommendations
• Manage relationships with super agents, aggregators, merchants and payment service providers, negotiate arrangements and monitor partner performance
• Ensure agent, merchant and sales activities comply with CBN requirements, KYC, AML/CFT and consumer protection rules, and escalate fraud and control breaches

Required profile

• Bachelor's degree in Business Administration, Marketing, Finance, Economics, Operations Management or a related discipline
• Eight to twelve years of relevant experience, including at least five years in a senior sales, distribution, agency banking or channel management role
• Demonstrable experience in microfinance, commercial banking, fintech, payments, telecommunications, FMCG or another large-scale distribution environment
• Proven track record of delivering customer, transaction, deposit, revenue and profitability targets
• Experience managing field teams, channel partners, budgets and performance programmes
• Sound understanding of agent controls, KYC, regulatory compliance and operational risk
• An MBA or relevant postgraduate or professional qualification is an advantage

Required skills

• Commercial judgement and ownership of channel performance
• Distribution strategy and territory planning
• Sales execution and customer acquisition
• Data analysis and performance management
• Strong knowledge of Nigeria's agency banking, digital payments and financial services ecosystem