Chief Commercial Officer ( COO )

A client of ours, specialised in Financial Services is looking to onboard a Chief Commercial Officer ( CCO ) to join their team of professionals. The designated person will oversee Retail and Corporate/Commercial businesses, as well as define and execute multi-year strategy for Retail and Corporate/Commercial Management:

Duties:

• Translate strategy into executable annual plans with targets, budgets, and resource plans.
• Own P&L for Retail and Corporate/Commercial: loan/deposit growth, fee income, cross-sell, and cost-to-serve within approved budgets.
• Build segmented value propositions with clear acquisition, deepening, and retention plays.
• Run a rigorous performance cadence (dashboards, accountabilities, course-corrections).
• Lead branch network productivity, corporate coverage, and business development.
• Represent Retail/Corporate businesses to regulators (MFSA/CBM) alongside the CEO and CRO; ensure adherence to applicable laws, EBA guidelines, and local directives.
• Partner with Digital/Technology on online/mobile sales funnels, onboarding, and straight-through journeys; driving digital adoption and usage.
• Manage pricing and margin discipline across assets and liabilities via ALCO; overseeing campaign economics and product profitability.
• Optimise portfolio mix, concentration limits, and risk-adjusted returns; monitor delinquency and implement remediation actions with Collections/Recovery teams.
• Maintain robust first-line controls, and governance across conduct; AML/CFT front-line responsibilities, and product governance.
• Chair/drive product governance for Retail and Corporate 
• Prepare and present to Board/Committees (Risk, Conduct, CNC as needed) on strategy, performance, customer outcomes, and remediation.
• Build, lead, and develop a high-performing, values-driven team with clear succession.

Requirements

• 12+ years in banking with significant leadership across Retail and/or Corporate/Commercial segments
• Proven track record running multi-channel distribution and partnering to deliver digital sales and onboarding journeys.
• Board/Committee engagement and regulator-facing experience.
• Strong knowledge of EU/Maltese banking regulation affecting customer businesses
• Excellent verbal and written communication skills in English, and ideally in Maltese

Education and Experience

• Degree in Business/Finance/Economics

Job Reference: FJ763