Head of MSME at Family Bank Ltd at Family Bank Ltd

Head of MSME at Family Bank Ltd at Family Bank Ltd | Iko Kazi

Job Purpose:

To provide strategic leadership in the development and growth of the Bank's Micro, Small and Medium Enterprises (MSME) Banking business by driving sustainable asset and liability growth, enhancing customer acquisition and retention, strengthening portfolio quality, and delivering innovative, customer centric financial solutions. The role will lead the development and execution of the MSME strategy, ensure effective market segmentation and proposition development, strengthen relationship management and distribution capabilities, and optimize risk-adjusted returns while ensuring compliance with regulatory and Bank requirements. The role will also champion strategic partnerships, digital solutions and ecosystem-based approaches to enhance MSME financial inclusion, improve customer experience, and position Family Bank as the preferred financial partner for MSMEs.

Key Responsibilities:
Strategic Leadership

Developing and executing SME Banking Strategy aligned to the Bank's overall strategic plan
Identifying priority sectors, value chains, and growth corridors to drive portfolio expansion
Leading transformation of the SME and franchises into scalable, digitally enabled business lines
Driving innovation in business banking products including structured trade, working capital, supply chain, and sector-specific solutions

Business Growth & Financial Performance

Delivering strong, sustainable growth in: SME loan book
Deposits and CASA growth
Non-funded income (fees, trade finance, cash management)
Optimizing portfolio mix for yield, risk diversification, and capital efficiency
Driving wallet share growth from existing clients through cross-sell of Bank products

Credit & Risk Oversight

Positioning the Bank as a preferred partner for SMEs, mid-corporates, and large corporates
Championing customer experience excellence across onboarding, servicing, and turnaround times
Building strong relationships with key industry players, regulators, DFIs, and sector associations

Product & Segment Development

Driving development of tailored solutions for:
Sector-specific financing (e.g., manufacturing, education, health, trade, agribusiness)
Supply chain and ecosystem banking
Structured and syndicated lending
Collaborating with Digital, Product, and Operations teams to digitize SME journeys

People & Culture Leadership

Building a high-performing SME banking team
Strengthening relationship management and sector specialization capabilities
Driving a strong performance culture anchored on accountability, customer focus, and collaboration
Mentoring senior leaders and building succession pipelines

Governance & Stakeholder Engagement

Academic & Professional Qualifications

Bachelor's degree in business, Finance, Economics, Banking, or related field
Master's degree in business administration (MBA) or related field — preferred
Professional banking or finance qualification (e.g., CPA, ACCA, CFA, AKIB or equivalent)- advantageous.

Experience Required

10-12 years' banking experience, with at least:
6–8 years in SME Banking leadership roles
Proven track record managing a large commercial/business banking portfolio
Demonstrated success in delivering loan and deposit growth with strong asset quality
Experience leading multi-segment or regional banking teams
Experience in a transforming or rapidly scaling bank is highly desirable
Exposure to digital transformation in business banking is an added advantage

Closing Date is 9th September 2026.

Head of MSME at Family Bank Ltd