Head, Retail Products | Standard Chartered Bank- Nairobi, Kenya

Job Details:
Key Roles and Responsibilities
Job Purpose:
• 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 portoiflio 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 fulfillment 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
Enter 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..
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