Chief Retail & Marketing Officer

About the position

The Chief Retail & Marketing Officer is responsible for the strategic leadership and operational oversight of the bank's retail network and marketing functions. This executive drives branch performance, customer experience, digital and in-person channels, and integrated marketing and brand strategies. The role is central to accelerating growth, customer acquisition efforts, and expanding brand presence across all markets, especially in support of the bank's national Non-QM lending platform. This results-driven leader will simplify acquisition strategies, enhance high-impact marketing channels, and develop a scalable retail footprint focused on cost-effective funding. The role carries full P&L accountability and directly supports the growth and profitability of the bank's dual-market approach: national lending (Non-QM, CRE, Construction/Development) and locally sourced core deposit gathering through the bank's retail branch network.

Responsibilities

• Drive aggressive diversification, expansion, and optimization of acquisition channels for Non-QM lending.
• Leverage digital targeting, referral partnerships, and scalable lead-generation platforms focused on qualified borrowers aligned with credit standards.
• Develop strategies to grow deposits, deepen relationships, and improve branch efficiency and profitability.
• Oversee competitive, customer-centric retail product offerings.
• Modernize the branch model to retain high-value customers and attract low-cost, relationship-driven core deposits.
• Explore alternative funding channels, including digital or non-traditional sources, to supplement branch-based deposits at a competitive cost of funds.
• Design and execute a refreshed retail and marketing strategy aligned with enterprise goals.
• Lead cross-functional initiatives in acquisition, brand visibility, funding cost optimization, and lead generation.
• Align execution with strategic plans, measuring against key financial and operational benchmarks.
• Focus the Marketing team on fewer, higher-ROI campaigns.
• Build a national brand centered on the bank's culture and lending strengths, particularly in investment real estate.
• Develop and refine strategies for SEO, paid media, content, referrals, partnerships, and digital platforms.
• Lead all customer-facing retail operations across branches and digital channels.
• Improve branch performance by enhancing service consistency, relationship depth, and operational efficiency.
• Collaborate with lending leaders to grow Non-QM and support construction/development loans through strategic borrower engagement.
• Expand national loan volume of Non-QM lending via scalable digital platforms and high-quality referral sources.
• Deliver focused strategies aligned with measurable KPIs.
• Build high-performing teams, foster accountability, and promote a culture of innovation and discipline.
• Manage the marketing and retail P&L with an emphasis on growth, efficiency, and disciplined investment.

Requirements

• Bachelor's degree in Business, Marketing, Finance, or related field (MBA or advanced degree preferred).
• Minimum 15 years of progressive leadership experience in retail banking, marketing, or financial services; at least 5 years in an executive role.
• Experience in senior financial or operational leadership within a complex or regulated environment.
• Prior executive experience (e.g., CMO, CRO, COO) and participation on an Executive Leadership Team preferred.
• Proven success leading cross-functional teams and driving P&L performance.
• Deep understanding of deposit operations, customer experience, digital marketing, and modern banking trends.
• Preference for candidates with experience developing and managing scalable online deposit strategies.

Nice-to-haves

• Prior experience as a CMO, CRO, COO, or similar role at a regional or national financial institution.
• Demonstrated success in building marketing teams and executing measurable digital and traditional campaigns.
• Working knowledge of Non-QM lending, real estate finance, deposit strategies, and digital acquisition tools.
• High emotional intelligence, collaborative leadership style, and the ability to drive transformation across legacy and modern platforms.
• Experience in brand repositioning, core funding strategies, and cost-conscious growth initiatives strongly preferred.

Benefits

• Comprehensive health insurance options including medical, dental, and vision coverage.
• 401(k) retirement plan with immediate employer match.
• Generous paid vacation, sick and personal days. Plus, enjoy a bonus day off for your birthday!
• Exclusive mortgage and banking benefits.
• Paid holidays, volunteer time off, and free parking at NASB facilities.
• Employee referral bonuses and internal training programs to help reach your career goals.