Job Description
To own the end-to-end strategy, performance, and lifecycle of Liabilities and Transactional products at country level. Drive market positioning, growth acceleration, and profitability targets. Makes high-impact decisions on pricing, risk, investments, and partnerships while championing innovation and digital transformation.
Qualifications
Type of Qualification: First Degree
Industry: Banking & Financial Institutions
Experience Required
8-10 years
Core Competencies
1. Strategic Ownership, Execution & Delivery
Owns the end-to-end Liabilities and Transactional Products strategy, driving portfolio growth, profitability, and market positioning. Ensures initiatives deliver measurable impact and align with ROE and balance sheet objectives.
2. Analytical & Insight-Driven and Data-Driven Decision Making
Leverages advanced analytics, pricing insights, and competitor intelligence to identify opportunities for deposit growth, margin optimization, and transactional revenue enhancement.
3. Leadership, Accountability & Prioritization in Dynamic Environments
Operates with autonomy and authority, taking full ownership of outcomes. Demonstrates agility in prioritising high-value initiatives and influencing cross-functional teams to deliver results.
4. Ability to Create Compelling Propositions and Customer-Centric Mindset
Designs innovative liability and transactional solutions that resonate with customer needs, embedding personalisation and digital-first experiences to enhance client satisfaction.
5. Commercial Acumen & Financial Stewardship
Deep understanding of deposit economics, pricing strategies, and profitability levers. Applies sound financial judgment to optimise margins, manage cost-to-income ratios, and grow the liabilities book sustainably.
6. Digital & Innovation Leadership
Champions digitisation of transactional banking and liabilities products, driving adoption of self-service channels and automation to improve efficiency and client experience.
7. Regulatory & Risk Governance
Influences governance forums and embeds proactive risk management into product strategy. Balances innovation with compliance, ensuring portfolio health and regulatory adherence.
8. Pricing Strategy & Margin Management
Expert in pricing governance and concession management, ensuring competitive positioning while safeguarding profitability and ROE.
Additional Information
Behavioural Competencies:
- Adopting Practical Approaches
- Examining Information
- Generating Ideas
- Meeting Timescales
- Seizing Opportunities
- Upholding Standards
