Head of E-Banking

Responsibilities:

• Develop and execute the Bank's electronic banking strategy in alignment with overall business objectives.
• Lead the development, enhancement, and management of all digital banking products and services including mobile banking, internet banking, USSD, agency banking, debit cards, payment solutions, POS, QR payments, and other electronic channels.
• Identify market opportunities and spearhead the introduction of innovative digital financial products that improve customer acquisition, retention, and engagement.
• Drive digital channel adoption while increasing transaction volumes and customer utilization across all electronic platforms.
• Collaborate with Technology, Operations, Risk, Compliance, Marketing, and Business Development teams to deliver seamless digital banking solutions.
• Monitor the performance, availability, security, and reliability of all electronic banking platforms and coordinate timely resolution of service disruptions.
• Manage relationships with fintech partners, payment service providers, card schemes, switching companies, aggregators, and technology vendors.
• Ensure full compliance with the Central Bank of Nigeria (CBN) regulations, Nigeria Inter-Bank Settlement System (NIBSS) standards, PCI-DSS requirements, NDPC provisions, and other applicable regulatory frameworks.
• Develop policies, procedures, and operational controls governing electronic banking operations.
• Monitor fraud trends across digital channels and implement proactive fraud prevention and risk mitigation strategies.
• Analyse customer behaviour, digital usage trends, and transaction data to improve product offerings and customer experience.
• Prepare management reports, performance dashboards, and strategic recommendations for Executive Management.
• Lead, mentor, and develop the E-Banking team while fostering a culture of innovation, accountability, and continuous improvement.
• Drive digital partnerships that enhance the Bank's competitive position within the financial services industry.
• Oversee digital banking budgets, vendor contracts, and project implementation to ensure timely delivery and value for money.

RequirementsEducation

• Bachelor's Degree in Computer Science, Information Technology, Banking & Finance, Business Administration, Economics, or a related discipline.
• A Master's Degree (MBA, MSc, or equivalent) will be an added advantage.
• Minimum of 5–7 years relevant banking experience with at least 3 years in a managerial role overseeing electronic or digital banking operations.
• Proven experience managing digital banking platforms within a commercial bank, microfinance bank, fintech, payment service bank, or financial institution.
• Demonstrated success in launching and managing digital banking products.
• Strong understanding of Nigeria's electronic payment ecosystem and digital financial services landscape.
• Professional Certifications (Added Advantage)
• Possession of one or more of the following certifications will be an advantage:
• Certified Digital Banking Professional
• Certified Information Systems Auditor (CISA)
• Certified Information Systems Security Professional (CISSP)
• Project Management Professional (PMP)
• ITIL Certification
• Certified Scrum Master (CSM)
• Relevant FinTech or Digital Banking certifications
• Digital Banking Platforms
• Mobile and Internet Banking Systems
• USSD Banking Solutions
• Agency Banking
• Payment Gateways
• Card Management Systems
• NIBSS Infrastructure
• Instant Payments
• API Integrations
• FinTech Partnerships
• Cybersecurity and Digital Risk Management
• Electronic Payment Operations
• Digital Product Development
• Data Analytics and Business Intelligence
• Core Banking System Integration
• Customer Experience Management

Key Performance Indicators:

• Growth in digital banking users and active customers.
• Increase in digital transaction volumes and value.
• Growth in electronic banking revenue.
• Digital channel uptime and system availability.
• Customer adoption rate of new digital products.
• Reduction in digital service complaints.
• Improvement in customer satisfaction (CSAT/NPS).
• Reduction in electronic fraud losses.
• Successful implementation of digital projects within agreed timelines and budgets.
• Regulatory compliance with zero material infractions.
• Growth in partnerships that enhance digital service offerings.
• Continuous improvement in operational efficiency across digital banking channels.