Chief Digital Officer

Job Description

The Chief Digital Officer (CDO) is responsible for spearheading the Bank’s digital transformation agenda, driving innovation, and integrating technology into all aspects of the Bank’s operations. The CDO leads the strategy, execution, and delivery of customer-centric, digital-first solutions that enhance operational efficiency, improve customer experience, and deliver sustainable growth.

Key Duties and Responsibilities

1. Digital Strategy and Transformation
   • Develop and execute the Bank's digital transformation strategy, aligned with the overall business goals.
   • Drive the adoption of cutting-edge technologies to deliver innovative banking solutions.
   • Identify opportunities for digitization across product offerings, operations, and customer interactions.
2. Customer Experience and Innovation
   • Create and implement customer-centric digital platforms that enhance user experience.
   • Monitor emerging fintech trends to recommend and integrate relevant technologies.
   • Lead the development of digital products, such as mobile banking apps, online platforms, agent banking, merchant banking, and other payment solutions.
3. Technology Integration
   • Partner with the Head of ICT to align ICT infrastructure with digital initiatives.
   • Ensure seamless integration of legacy systems with modern digital platforms.
   • Promote the use of APIs, cloud
4. Business Development and Revenue Growth
   • Drive revenue growth by expanding the Bank’s digital product portfolio and enhancing fee income.
   • Develop partnerships with fintech companies, telecoms, and other strategic players.
   • Lead sandboxing efforts for testing and scaling digital products in underserved markets.
5. Governance and Compliance
   • Ensure all digital solutions comply with banking regulations, cybersecurity standards, and data privacy laws.
   • Lead risk assessments and implement robust frameworks for digital security.
6. Leadership and Team Building
   • Build and lead a high-performing digital team, fostering a culture of innovation and agility.
   • Work closely with other C-level executives to embed digital thinking across departments.
7. The Bank reserves the right to amend, modify, or adjust the responsibilities of this position as business needs evolve, in alignment with applicable labour laws. The Employee may also be required to undertake additional duties or projects from time to time, within their capabilities and consistent with the responsibilities of the role, as directed by the Employer.

Qualifications, Skills and Experience:

Education: Bachelor’s degree in Business Administration, Computer Science, Information Systems, or related field. Master’s degree in Business Administration (MBA), Technology Management, or a related discipline is preferred.

Experience: 10+ years of experience in banking, digital transformation, or fintech, with at least 5 years in a senior leadership role; proven track record of leading successful digital initiatives in a financial services environment; experience in managing cross-functional teams and working with external partners.

Technical Skills: Deep understanding of digital banking trends, fintech ecosystems, and emerging technologies; familiarity with Agile methodologies, API development, and cloud- based systems; knowledge of cybersecurity, data analytics, and customer relationship management (CRM) tools.

Soft Skills: Strategic thinker with strong problem-solving and decision-making capabilities; excellent communication and stakeholder management skills; ability to inspire and lead in a fast-paced, dynamic environment.

Key Performance indicators

• Growth in digital channel adoption (e.g., mobile banking penetration rates).
• Increase in revenue and profitability from digital products and channels.
• Customer satisfaction scores related to digital platforms.
• Reduction in operational costs through digital automation.
• Successful implementation of digital transformation initiatives within defined timelines.

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