Head of Retail & Wholesale

• Own R&W portfolio P&L, market share, manage capital, ROTE, CTI/returns, client advocacy, profitability and sustainable franchise growth.
• Develop expertise across retailers, wholesalers, distributors, e-commerce businesses, consumer brands and associated supply chains.
• Assess consumer demand, pricing, margins, seasonality, inventory, supplier terms, fulfilment and international sourcing.
• Originate solutions across working capital, payments, cash management, FX, trade, store or distribution investment and digital transformation.
• Build strategic client and acquisition plans, with disciplined pipeline, opportunity and portfolio management.
• Represent Barclays with trade associations, advisers, investors, intermediaries and sector events.
• Bring market insight on consumer behaviour, channel shifts, cost pressure and supply-chain risk into commercial and risk decisions.
• Build internal sector capability and coordinate Product, Risk and Coverage partners.
• Regulatory engagement:
  Balance growth, risk, regulation and compliance.

• Stakeholder management:
  Build relationships that remove blockers and enable delivery.

• Experience in building our target operating models and broader sector propositions to drive the go to market strategy.
• Significant relationship banking, retail, wholesale, consumer or supply-chain commercial experience.
• Track record of growing complex client portfolios and delivering sustainable income and profitability.
• Experience assessing seasonal, inventory-led, omnichannel and internationally sourced business models.
• Experience delivering working-capital, payments, cash management, trade or FX solutions.
• Established network across retailers, wholesalers, suppliers, advisers or industry bodies.

• Deep understanding of channel economics, margin drivers, inventory, seasonality and supply chains.
• Strong commercial acumen, P&L ownership and portfolio prioritisation.
• Strategic client engagement, origination, negotiation and executive influencing.
• Sound risk judgement under fast-moving consumer and trading conditions.
• External market leadership and the ability to translate trends into actionable insight.
• Effective enterprise coordination across Product, Risk, Coverage and operations.

Lead a portfolio of Retail & Wholesale clients, translating consumer demand, channel, inventory and supply-chain trends into commercial strategies that support resilience, profitable growth and franchise value. Deliver sustainable revenue, profitability and market share through deep sector expertise and trusted relationship leadership.

• Development of strategic direction for relationship management, including the implementation of up to date methodologies and processes.
• Management of relationship management initiatives, including oversight of colleagues and their performance, implementation of departmental goals and objectives, oversight of department efficiency and effectiveness..
• Relationship management of relationship management stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third party services.
• Development and implementation of policies and procedures for relationship management.
• Management of relationship management risk, including identification of potential risks, development of strategies to mitigate those risks, and maintenance of alignment between the bank’s relationship management and compliance functions..
• Monitoring the financial performance of relationship management, including revenue, profitability, and cost control.
• Conducting thorough market research to understand market trends, competitive landscape, and regulatory changes to identify market opportunities.