Job Purpose
To implement, enable, scale, entrench, engage and
commercialise the Direct Banking value proposition/s and business life
journeys in country in collaboration with other Segments, Client
Solutions, Engineering and country stakeholders through the client
engagement platforms
Key Responsibilities/Accountabilities
- Leads and executes the Direct
Banking segment value proposition, related toolbox(es) and client
journeys in country and customises accordingly.
- Provides input into the overall segment value proposition and related toolbox(es).
- Tracks
and reports on adoption of the strategy and provides feedback to
various domains and capabilities (including at client level).
- Implements the client value proposition in country with approved customisations.
- Drives and entrenches a consistent client experience through all engagement platforms.
- Implements and drives the agreed client value metrics pertaining to Horizon 1, 2 and 3.
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Partners with Client Solutions and 3rd Party partners and ecosystems
for the delivery of integrated multi-products and services for the
client.
- Maintains alignment with other segment heads in order
to ensure client value proposition delivery and reduction of
duplication across segments.
- Stays abreast of market and
competitive developments in order to provide input to innovative and
value-added services to gain market share.
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Accountable for the achievement of the segment financial and
non-financial metrics (e.g. client attrition, profit growth and return
on investment, etc.) in line with Business and Commercial Clients,
Country requirements in close collaboration with country, other
segment heads and Client Solutions.
- Ensures that remedial
actions are defined and implemented in collaboration with country,
other segment heads and Client Solutions.
- Accountable for risk
management and adherence to all governance standards for the
continued sustainability of the segment in country.
- Develops appropriate recovery and resolution plans to protect the Direct Banking segment from any untoward event.
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Drives satisfactory audit outcomes and ensures that there are no
repeat unsatisfactory findings as gauged by Group Internal Audit.
- Retains central oversight of all risk and remediation matters relating to Direct Banking in Country.
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Develops client risk appetite based on the defined framework which is
signed off by Business and Commercial Clients, Country in conjunction
with Risk.
- Implements and monitors risk management across
the segment (e.g., operational risk, credit risk, ecosystems risk and
partner risk management).
- Follows the parameters of the key trade off decisions at client level (i.e. risk appetite, pricing etc.).
- Manages Operational Risk loss within a prescribed tolerance limit.
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Preferred Qualification and Experience
Type of qualification: First Degree
Field of study: Business Commerce
Years: More than 10 years
Experience
Description: Experience in developing, designing and enabling segment
value propositions. Experience in Consumer High Net Worth and Business
Banking, including the design and development of customer solutions;
identifying key drivers of income and cost lines. Experience in
successfully growing the customer base, managing and growing a balance
sheet and income statement. Strong understanding of digital, open
banking and platform integrations.
