Strategy and Business Performance

• Develop and execute business strategy in Lending (covering all secured & unsecured lending products and credit card products) to achieve goals:

-          Financials
Revenue growth, cost control, profit, economic profit, account performance

-          Customers

-          Formulating decile strategy for customer deciles and driving innovation of products and services to meet the needs of targeted desired customer  segments.,

-          Drive acquisition, Retention management, account activation and usage, customer satisfaction, Loyalty index

 

• Oversee alliances with external associations (Visa / Mastercard / Amex, developers, lawyers and agents

• Manage & optimize portfolio risks in conjunction with Risk Head

• As part of top management team, contribute to establish the strategy and priorities for the consumer banking business in country

Business Management

• Drive product development and innovation to meet/anticipate needs of customers

• Manage compliance of PDDs, CRDs and the control of programs/CDD

• Develop and launch innovative products as well as product-bundling to increase market share and revenue

• Work with Marketing on product marketing and branding

• Identify new segments, channels or opportunities for product distribution and marketing

• Work collaboratively with other business functions to enhance business opportunities through cross-sell and to resolve cross-functional operations and service issues.

• Indirectly manage direct sales force

Process

• Improve the end-to-end process for Lending business with focus on quality in delivery and cycle time.  

• This includes working with other functions and VS on processes and systems for acquisition, underwriting, authorization, account retention & maintenance, results tracking, etc to deliver the customer value proposition.

• Manage the productivity and efficiency of the value stream

Leadership & People

• Build a strong local talent pipeline for future business growth and continuity

• Coach direct reports and key talents to deliver on individual performance

• Manage employee engagement, motivation and attrition issues

• Be an effective agent of change and a role model for talented managers throughout the Bank

Compliance & Control

• Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff

Responsible for achieving and maintaining satisfactory audit rating