BRAC Bank’s financial results along with country-best credit rating and multiple best financial report awards speak of our aspiration, transparency and teamwork towards common objectives. While we thrive in present, we simultaneously invest for future – upgraded core banking system in Finacle 10, first local bank to rollout Oracle ERP, process alignment with best practices and many more. However, this feat of providing a comprehensive range of solutions to its 1.3 million of customers would not be possible without our diversified business model and unmatched network of 187 Branches, 513 ATM & CDMs, 456 SME Unit Offices, 11 Regional Operations Office and 350 Agent Banking Outlets.

BRAC Bank’s Retail Lending department spearheads the Bank’s focus on retail loan penetration, and provides a wide basket of loans, including home loans, car loans, personal loans and cash-secured loans. Bank’s retail lending portfolio increased by 12% to reach BDT 47,564 million at the end of 2019. BDT 2,500 million growth in net retail loans was contributed majorly by personal loans growth. Bank’s retail NPL number belongs to the highest rank across industry, which also demonstrates a high-quality personal loan book.

Head of Retail Lending is responsible for the overall business strategy, product and pricing management, compliance & control, and people development pertinent to retail lending products. The role will report to Head of Retail Banking.

Head of Retail Lending

Employment Type: Full Time
Job Location: Dhaka


1. Strategy & Business Planning:

  • Develop and execute the agreed business strategy to grow lending portfolio;
  • Define lending business strategy, covering market landscape, 5-year plan, target segment, key business drivers, and operating plans for growth;
  • Co-work with Distribution Network, Retail Credit, Finance and Operations to ensure an aligned strategic priority, risk appetites and target segment approach to optimize business opportunities;

2. Product Management:

  • Manage/enhance existing lending products and related processes to achieve maximized performance and efficiency, and improve customers' experience. Develop new products and initiatives, pricing, acquisition/portfolio campaigns to diversify sales origination channels;
  • Product profitability via P&L and pricing management;
  • Product system, SOP and process improvements;
  • Product marketing collaterals implementation;
  • Product and campaigns implementation and performance management;
  • Product costs and marketing efficiencies management;
  • Monthly market competitors research and survey.

3. Sales Management:

  • Achieve asset growth and profitability targets set for lending products;
  • Develop and execute channel strategy to improve acquisition performance and improve sales productivity;
  • Develop digital channel and external alliance partnership to expand sales origination opportunities;
  • Conduct regular sales review with Sales Head and Team Leaders to review sales performance and activities by channel / by geography;
  • Ensure a solid governance and control structure in place and create a positive and healthy sales culture.

4. Compliance and Control:

  • Ensure compliance with all regulations and controls as set by the bank and external regulatory authorities.


  • Bachelor’s degree (preferably in Finance, Economics or Engineering) in relevant discipline;
  • 12+ years proven track record in managing sales managers, and sales management in the financial services or banking industry;
  • A combination of sales management and retail lending product management experience is preferred;
  • Sound understanding of financial planning, deposits and retail lending products as well as loan operations;
  • Good knowledge of current practice and compliance standards in the financial service industry;
  • Knowledge of financial costing including P&L management;
  • Knowledge of business marketing strategies and techniques.


  • Excellent general management, analysis, negotiation and decision-making skills.
  • Excellent leadership, people management and organizational development skills, with a demonstrated ability to motivate in a team-oriented and collaborative work environment, and promote, foster and build a diverse and inclusive workforce.
  • Excellent written and verbal communications and presentation skills.


Only short-listed candidates will be invited for the interview as per recruitment process. 

BRAC Bank reserves the right to accept or reject any application without assigning any reason whatsoever.

If you are interested to take this challenge, then please go to Brac Bank Ltd’s career portal and apply by creating your detailed profile.

BRAC Bank does not charge any fee at any stage of the recruitment process.

Please note that BRAC Bank is an equal employment organization. Any form of persuasion will disqualify the candidature.

Application Deadline: September 26, 2020