Head of RB Product Management (Retail Banking / Retail Segments / Product Management / J3087) - (1800017447)

Standard Chartered Bank Zambia Plc Leading the way in International Banking. With more than 86,000 employees in 68 countries, and a 150-year history in some of the world’s most dynamic markets, Standard Chartered is listed on the London and Hong Kong Stock Exchanges as well as the Bombay and National Stock Exchanges in India. We have an opportunity for a Head of Retail Products:

Job Purpose

• Responsible for executing country agenda on Retail Products to deliver sustainable growth across lending, deposits, Business Banking products and Digital.
• Responsible for growing market share and increasing product/client level profitability by supporting new acquisition and relationship teams and portfolio management of Secured, Unsecured, Liability, Wealth, 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 & Wealth Management Product team in the Region and (b) process execution within Sales, Operations and Service teams, for resolution in country with the relevant stakeholders.

Key Responsibilities

Business Performance

• Collaborate effectively with CIB/ TB, Employee Banking, Client Acquisition and Relationship teams across segments to leverage the eco-system and help deliver sales volume to achieve budgeted Balance Sheet and NFI targets
• Execute global standard 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
• Ensure scorecard alignment with 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 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 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 processes 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
• Ensure compliance to Group & Country AML and CDD policies

How to Apply

Submit your CV and Application on Company Website: