Help Business Head in achieving product specific targets
Optimize deposit balance to support asset growth
Develop the overall acquisition and channel strategy aligning with overall product proposition and target customer segment
Formulate and implement Marketing and Business Development strategy for the Business while sustaining and increasing the market share position for the bank.
Help formulate and shape new product enhancements and/or third party partnerships through customer insights, competitive analysis, customer research and in-market tests.
Ensure all current and future product initiatives are driving the right product economics in terms of revenue and profitability
Constantly monitor key performance indicators and effectively use data to identify opportunities for enhancing revenue, controlling cost and strengthening the overall product portfolios
Customers / Stakeholders
Develop, implement, and manage the end to end channel, process, technology, performance of acquisition channels
Understanding sales best practice within different channels, and engaging channel partners to embed successful, customer-centric methods to drive product acquisition in the right way.
Understanding the impact of regulatory change and ensuring sales-process compliance on our lending products.
Maintain good relations with the third party partners to ensure maximum benefit is gained for both the partner and the Bank.
Develop strategic partnerships for acquisition
Taking a leadership role with key stakeholders across the business, including Channels, Marketing, and Finance, to ensure we deliver all of the above as efficiently as possible.
Develop seamless relationships with all key stakeholders (Sales, GM, Legal & Compliance, IT & Operations, Marketing, and Customer Experience) in order to ensure smooth running of the business. Ensure maximum participation through feedback from all levels in order to cultivate spirit of product ownership.
Leadership & Teamwork
Support Business Head to develop competitive and profitable products with respect to customer voice and customer experience.
Personally and through others, holding and developing product expertise to ensure adequate training is provided at all customer touch points. Ensures staff is properly trained, provided with appropriate resources and motivated to adhere to risk management principles
Inspire professionalism and responsibility through guidance and leading by example
Operational Effectiveness & Control
Streamline and improve end to end application process
Reduce standard unit cost of processing or servicing each account
Ensure that product procedures and features comply with regional guidelines & local regulations.
Enhance product procedure to ensure quality customer experience
Complete tasks and fulfill responsibilities as outlined in CDD LoBP, AML Policy; Sanctions Policy and always stay vigilant to identify and report warning signs to detect, deter and protect customers and the bank from fraud and financial crimes.
Coordinate with related stakeholders and ensure all changes being made to AML & Sanctions and other LoBPs are accurately reflected in in-country documents and these LoBPs are approved/signed off and communicated to frontline for implementation
Yêu Cầu Công Việc
Degree in Business or Finance, post graduate qualifications are an advantage
7-9 years’ experience within banking or financial industry
Experience in managing deposits portfolio
Experience with running the P&L of a product line
Proven track record in managing and driving the growth of retail banking products
Ability to work in a team-oriented environment and effectively influence and communicate across various business lines at different levels within the organization.
Knowledge of the organization and its products, processes and pertinent regulations affecting their delivery.
Strong ability to credibly interact with senior management