Product Head Deposits & Secured

Drive the Secured & Deposits Products in line with Wealth & Retail Banking (WRB) Pakistan strategy, legal and regulatory requirements.

• Drive regulatory initiatives and projects.
• Rollout global suite of standardised products in the market
• Initiate design and development of best-in-class global product suite based on local needs by providing feedback on opportunity and co-creating globally scalable solutions with central team.
• Collaboration with key stakeholders in WRB organisation to provide direction on market opportunities and execution upon them.
• Build and leverage strong alliances and business partners network to crystallise differentiated brand propositions across client segments actively manage the retail balance sheet to ensure optimisation of returns.
• Ensure balanced growth addressing operations compliance and service delivery risks.
• Driving Product innovation and development initiatives with Group Product to meet/ anticipate needs of customers across Personal, Preferred and Priority Banking segments.
• Work with segment teams to develop and launch cross-product bundling propositions for deepening customer relationship and brand loyalty.
• To develop, design and manage Debit Card product features that meet client’s desired requirements and increase bank’s share of client wallet.
• Driving the Debit Card Profit & Loss (P&L) in line with WRB Pakistan strategy, legal and regulatory requirements.
• Work with Marketing on product marketing and branding.
• Work collaboratively with other business functions to enhance business opportunities through cross-sell and to resolve cross-functional operations and service issues.
• Keep abreast of market competition, industry practices and best practices to constantly improve on overall business performance.
• Review regular deposits Management Information System (MIS) to identify trends in portfolio movement and track against targets.
• Active involvement with Learning academy in terms of development and execution of training programs to optimize sales and service.
• Conduct regular portfolio performance analysis across customer base and identify opportunity for growth.
• Identify and address customer needs and expectations and ensure programs are effectively managed for all the target segments.
• Monitor all program results, understand consumer behaviour and take reactive and proactive measures.
• Develop business tracking reports for various channels and also help monitoring competitor activities in the market for continuous business growth.
• Manage relationships with business partners for smooth business dev. & project implementation.
• Manage compliance & approval and compliance to Country Addenda.
• Ensure management of activities in the Retail Product unit in compliance with all regulations and controls as set by the Bank and external regulatory authorities.
• Identify and recommend ways to improve the end-to-end process for the retail deposits & secured product suite with focus on quality in delivery and cycle time.
• Ensure appropriate and adequate documentation is in place for process actions and is responsible for achieving and maintaining a satisfactory audit rating.
• Work with all other related functions to ensure compliance with applicable money laundering prevention procedures.
• Ensure that product and customer pricing is approved in line with delegated authorities and defined procedures.
• Ensure that the customer complaints referred to Retail Deposits & Secured products are resolved in a timely manner.

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.