DESCRIPTION

Job Purpose:

Prepare and execute secured assets strategy for PBG with focus on balance sheet and revenue growth by effectively developing and rolling out secured products and effective management secured assets portfolio

Principal Accountabilities:

Revenue: Responsible for P&L of the product/segment and ensuring CBD remains competitive in banking products and services in the covered segments and markets with the objective to maximize sales, revenue, and profitability.

Product-Services Development: Develop and launch new/revamp products and propositions to enhance PBG profitability, brand awareness and market share in Secured Asset segment

Portfolio Management: Analyse portfolio behaviour in order to and implement effective and targeted marketing programs designed to attract additional business.

Yield/Revenue analysis at Product/Segment level

Reduce attrition

Determine segment product performance

Identify revenue / cost reduction opportunities

Customer retention and loyalty program to minimize attrition

Key performance indicators (KPIs) for performance monitoring and quality measurement purposes and monitor achievement on periodic base

Digital Product Management

Digital Product On boarding

Enhance and design customer centric Digital Products roadmap and prioritize both business and customer needs.

Onboard digital partnerships with franchise partners related to Banking products including 3rd party engagements

Continuously review and enhance Product on boarding journeys in the fastest and most seamless way keeping customer in mind

Digital Servicing

Work with Client Engagement team to review monitor customer feedback across different digital channels i.e. complaints, enhancement, suggestion and create \xe2\x80\x9cvoice of digital customer\xe2\x80\x9d forum in liaison with Client Engagement team

Digital marketing, communication, adoption and engagement

Work with product leads and marketing to monitor and improve digital marketing plan/calendar for strategic focus on digital Mortgage and Auto.

Ensure readiness of various marketing collaterals, timely execution of marketing calendar of various digital marketing campaigns.

Strategic: Assist Head of the unit in developing and implementing strategies and plans to achieve Sales, Revenue and Profit targets.

Building the overall strategy for the divisions, revenue models and delivery channel and coordinate in preparation of annual Balance sheet forecasts and profit and loss estimates. Works closely with Head of Sales and Branches to establish product sales targets for all channels and segments.

Responsible for establishing product sales targets and business objectives for each product working with Head of Asset Products to develop products for distribution via multi-channel to support segmentation strategy.

Process Reengineering: Responsible for business process and functionality via each channel to ensure customer and staff experience with originating product sales is \xe2\x80\x9cuser friendly\xe2\x80\x9d and cost effective.

Competition and Market Watch: Ensure ongoing increase in market share and sustainable growth rate in the markets, conduct gap analysis and continually improve our products and channels delivery responsible for increasing Market share for PBG Assets

Support Unit Management: Develop seamless relationships with all key stakeholders (Sales, Risk, Legal & Compliance, IT & Operations, Marketing, and Business Quality) in order to ensure smooth launch of new products and propositions. Lead internal and cross-functional teams to solve business problems.

Training: Ensure adequate product training is provided to sales / distribution channels and service units on regular basis
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