Head of Retail Loans

BRAC Bank PLC is building the future of banking in Bangladesh through trust, innovation, and inclusion. As a values-based financial institution, the bank empowers customers and businesses with responsible financial solutions while upholding the highest standards of compliance, governance and transparency. For professionals, BRAC Bank offers a platform where performance, integrity, and innovation thrive together.

The bank is seeking a qualified and purpose-driven professional for the following position within its Retail Banking Division in the following position:

Grade: SVP – EVP

KEY RESPONSIBILITIES:

• Formulation & Implementation of operating plan
• Develop different strategies for Retail Lending Portfolio of Secured Loan, Personal Loan and Auto Loan, in accordance with the direction of the bank.
• Preparation of budget for the Loan products and set out different avenues for prospective business.
• Evaluate the current situation of the entire retail market and take strategic initiatives to sustain and grow in the market.
• Responsible for driving growth for the business end-to-end. Achieve revenue targets by driving the sales team.

• Product Development & Portfolio Management
• Design and develop new loan products and review and enhance existing products aligned with market demand and business strategy.
• Conduct market research and competitor analysis to identify product opportunities and trends.
• Define product structure, eligibility criteria, pricing and policy guideline in coordination with Risk, Credit and Compliance teams.
• Monitor product performance, portfolio quality & profitability and implement improvements where necessary.

• Retention Management & Channel support
• Focus on becoming more customer-centric and delivering experiences that delight and inspire loyalty from customers.
• Ensure teamwork towards customer grievance resolution in a time bound manner.
• 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.

• Stakeholder Management
• Develop and maintain strong relationships with regulators and key strategic partners to ensure smooth and efficient operations.
• Work closely with Sales, Distribution Network, Marketing, Risk and Operations to ensure smooth product rollout and customer experience.

• Compliance & Good Governance
• Ensure proper management of regulatory requirements and on time implementation of different business policies mandated by regulatory authorities
• Identify the associated risks, formulate risk mitigation process, deploy effective internal control mechanisms, and ensure regulatory compliance & fraud prevention.
• Ensure products comply with regulatory and internal policy requirements.

KEY QUALIFICATIONS:

• A postgraduate or graduate degree from a UGC-approved university with a satisfactory academic track record.
• More than 10 years of experience in similar role; diverse experience across retail sales and retail lending product management is preferred
• Strong command of Banking Fundamentals, Products & Processes, Compliance & Fraud Prevention
• Expertise in Business Analytics, Business Planning & Forecasting
• Strong analytical, problem-solving, communication, interpersonal and stakeholder-management skills.
• Expert in customer centricity, ownership & delivering results, integrity, collaboration and developing others

BRAC Bank is a values-driven organization that prioritizes the protection of all its stakeholders, including coworkers and the community we work in, from harassment, abuse, neglect, exploitation, and discrimination. As an equal opportunity enabler, BRAC Bank encourages applications from any gender-diverse individuals and persons living with a disability. We consider personal persuasion to be a disqualification of candidature.

Only short-listed candidates will be communicated for the next stage as per the recruitment process. BRAC Bank reserves the right to accept or reject any application without assigning any reason, whatsoever.

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

Application Deadline: September 26, 2026