Standard Chartered Bank Jobs in Tanzania Head of Retail Banking Products

Job description

Nafasi za kazi standard Charterd Bank in Tanzania May 2017

Responsible for executing country agenda on Retail Products to deliver sustainable growth across Priority, Business and Personal Clients.

Responsible for growing market share and increasing client level profitability by supporting new acquisition and relationship teams and portfolio management of Secured, Unsecured, Liability, Trade & Working Capital and Cash Management products based on client needs

Achieve the Revenue, Balance Sheet, Product Margins and Loss adjusted Returns as per budget

Ensure consistent Service and Product delivery on client propositions as per budgeted benchmarks by indentifying challenges related to (a) products and processes design, for resolution by Retail Product team in the Region and (b) process execution within Sales, Operations and Service teams, for resolution in country with the relevant stakeholders.

Key Roles and Responsibilities
Business Performance

• Collaborate effectively with Client Acquisition, Relationship and Segment teams to help deliver sales volume as per budgeted Balance Sheet and NFI targets
• Execute global standard Client Optimization strategies to deliver Product level RoRWA
• Optimize fees and charges to create value for clients in line with TCF principles
• Collaborate with Retail Analytics, Credit Initiation, Client Acquisition and Relationship teams to increase products per customer, improve approval rates and effectively tail manage the portfolio to deliver RB Productivity metrics of client activation and negative revenue accounts
• Ensure scorecard alignment with segment and product strategy through active participation in the RBIC
• Support RB academy for the development of appropriate training content for the acquisition, relationship and service teams
• Responsible for Portfolio health on relevant products – delivery through regular engagement with Risk teams in country to track portfolio performance (through lead indicators) and taking necessary actions to ensure loan impairment is within approved and acceptable limits.

Product & Service Delivery

• Have oversight and ownership on end-to-end (standard) process to ensure execution of on-boarding for clients and fulfilment of products through engagement with relevant stakeholders involved in executing the standard process to ensure we deliver a seamless client CVP
• Complaints & Client Experience: Collaborate closely with the CEPG teams to Identify gaps and design failures in existing process and products and work with global and regional product teams to solve for endemic design issues to improve overall product and Service delivery

Product Launches & Product Maintenance

• Execute the global Product standardization and Product rationalization agenda across Retail Products
• Work with segment and frontline teams to identify client needs and launch existing global product solutions to meet these needs. In the absence of existing global solutions work with the regional team to have the relevant proposition developed as a global solution for implementation

Governance

• Manage compliance of PPGs, CADs & control standards relating to the delivery of products
• Ensure compliance to Group & Country AML and CDD policies

Qualifications And Skills

• Bachelor degree
• Preferably 10 years of experience in leading teams and hands on knowledge of development and implementation of all Retail Products.
• Proven leadership track record driving business performance and sponsorship by senior stakeholders

Personal

• Business acumen – understand what drives profitability and risk
• Thought leadership - able to create, rationalise and organise
• Ownership & Accountability – own, execute and deliver results
• Client centricity – solution, service and relationship
• Leadership and change agent – innovation and drive with passion
• People development
• Influencing and networking, presence and communication
• Motivated by performance linked rewards
• Enjoy managing people, networking and alliance building

Diversity and Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

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