Key accountabilities/Deliverables/Outcomes
Portfolio Management
- Oversee performance of savings accounts and term deposit products, ensuring achievement of business growth targets.
- Monitor product profitability, customer uptake, and retention trends, recommending pricing and product enhancements.
- Ensure accurate reporting and analysis of liability portfolio performance.
Onboarding Process Oversight
- Drive efficiency in customer onboarding processes to ensure speed, accuracy, and compliance with KYC/AML regulations.
- Partner with Operations, IT, and Compliance teams to continuously improve digital and branch onboarding journeys.
- Monitor and address risks or bottlenecks in the onboarding process to enhance customer experience.
Business Development & Customer Experience
- Develop and execute initiatives to increase savings mobilization and term deposit acquisition.
- Work with Relationship Managers and branch staff to promote deposit products effectively.
- Enhance customer education and engagement on product features, benefits, and digital access.
Risk & Compliance Management
- Ensure adherence to regulatory requirements, internal policies, and audit recommendations.
- Monitor portfolio risks, including fraud, operational lapses, or compliance breaches.
- Implement corrective measures to mitigate identified risks.
Leadership & Collaboration
- Provide guidance and support to branch teams on savings and deposit product positioning.
- Collaborate with Marketing to develop campaigns that drive uptake and retention.
- Train staff on product knowledge, onboarding processes, and customer engagement best practices.
Additional Responsibilities:
- Handle other operational tasks as assigned by leaders to support overall departmental objectives.
Role/person specification
Qualification
- Bachelor’s degree in Business, Finance, Economics, or related field (Master’s an advantage).
Experience
- 5–7 years’ experience in retail banking, with at least 3 years in deposit mobilization or product management
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