To be accountable for the development and implementation of fit for purpose product solutions based on unique country requirements (e.g., Everyday Banking, Lending or Card Issuing) across the value chain with a focus on digitization and in line with client value propositions.
Defines the allocated Product strategy in alignment with BU Domain and country requirements. Ensure the development of client centric solutions in collaboration with client segments, Personalisation, Digital and eCommerce, Technology, etc. Provide relevant client teams with product and solution specific insights that can be incorporated into client value propositions. Ensure appropriate strategic alignment and integration between product value stream to allow maximizing of customer solution enablement and delivery. Manage end-to-end product value chain (including Operations, Technology, etc.) Determine optimal pricing models for product and customer and when to alert relevant stakeholders of any pricing decisions that improve or compromise financial objectives and propose relevant remediation actions. Make final trade off decisions where ROE is negatively impacted in conjunction with PPB colleagues. Ensure that the Product business drivers are accurately reflected in the target setting process to achieve the overall Headline Earnings targets per product at a customer grouping level across PPB. Drive the overall product profitability and ROE as set by the financial objectives enabled by customer growth. Identify and optimise profit opportunities for Product through the relevant risk/reward trade-offs. Define and monitor product economics requirements (including pricing and margin management) across products. Act as a central point of accountability for product and solution design, evaluation, management, measurement and reporting. Ensure compliance with Credit and Operational Risk standards. Represents Product at CRMC, ALCO (Assets and Liabilities Committee), NABPS etc. for relevant decision making. Ensures escalation procedures exist for the reporting and resolution of specific breaches of policy, regulatory breaches, key product issues and control failings or weaknesses. Develop and enhance Products and/or pricing governance at NABPS and Pricing Committee. Provide relevant product specific technology requirements in order to achieve profitability and client experience objectives.
Type of Qualification: First Degree
Field of Study: Business Commerce
Consumer & High Net Worth
Experience in managing products, delivering business value, managing teams, managing product lifecycle, managing IT projects. Experience in business and value prioritisation and effectively managing front to back delivery teams i.e. business, specialised functions (SMEs) and IT delivery. Experience in effectively managing relationships across the value chain. Experience in delivering multiple large-scale IT projects (from conception to delivery) simultaneously. Strong financial background
Experience in the design and development of client growth strategies. Experience in managing product units with income statement and balance sheet accountability. Experience with banking / financial industry products and services. Experience in leading, integrating and delivering client solutions through multi-disciplinary teams. Experience in managing a balance sheet and income statement.
Behavioral Competencies:Developing Strategies Embracing Change Empowering Individuals Establishing Rapport Generating Ideas Making Decisions Producing Output Showing Composure Team Working Understanding People Valuing Individuals
Technical Competencies:Customer Understanding ( Consumer Banking) Product Knowledge (Consumer Banking) Risk Reporting Risk Response Strategy Risk/ Reward Thinking
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