Job Description

To own the end-to-end strategy, performance, and lifecycle of Liabilities and Transactional products at country level. Drive market positioning, growth acceleration, and profitability targets. Makes high-impact decisions on pricing, risk, investments, and partnerships while championing innovation and digital transformation.

Qualifications

Type of Qualification: First Degree

Industry: Banking & Financial Institutions

Experience Required

8-10 years

Core Competencies

Strategic Ownership, Execution & Delivery

Owns the end-to-end Liabilities and Transactional Products strategy, driving portfolio growth, profitability, and market positioning. Ensures initiatives deliver measurable impact and align with ROE and balance sheet objectives.

Analytical & Insight-Driven and Data-Driven Decision Making

Leverages advanced analytics, pricing insights, and competitor intelligence to identify opportunities for deposit growth, margin optimization, and transactional revenue enhancement.

Leadership, Accountability & Prioritization in Dynamic Environments

Operates with autonomy and authority, taking full ownership of outcomes. Demonstrates agility in prioritising high-value initiatives and influencing cross-functional teams to deliver results.

Ability to Create Compelling Propositions and Customer-Centric Mindset

Designs innovative liability and transactional solutions that resonate with customer needs, embedding personalisation and digital-first experiences to enhance client satisfaction.

Commercial Acumen & Financial Stewardship

Deep understanding of deposit economics, pricing strategies, and profitability levers. Applies sound financial judgment to optimise margins, manage cost-to-income ratios, and grow the liabilities book sustainably.

Digital & Innovation Leadership

Champions digitisation of transactional banking and liabilities products, driving adoption of self-service channels and automation to improve efficiency and client experience.

Regulatory & Risk Governance

Influences governance forums and embeds proactive risk management into product strategy. Balances innovation with compliance, ensuring portfolio health and regulatory adherence.

Pricing Strategy & Margin Management

Expert in pricing governance and concession management, ensuring competitive positioning while safeguarding profitability and ROE.

Additional Information

Behavioural Competencies:

• Adopting Practical Approaches
• Examining Information
• Generating Ideas
• Meeting Timescales
• Seizing Opportunities
• Upholding Standards

• Owns the end-to-end Liabilities and Transactional Products strategy, driving portfolio growth, profitability, and market positioning. Ensures initiatives deliver measurable impact and align with ROE and balance sheet objectives.
• Leverages advanced analytics, pricing insights, and competitor intelligence to identify opportunities for deposit growth, margin optimization, and transactional revenue enhancement.
• Operates with autonomy and authority, taking full ownership of outcomes. Demonstrates agility in prioritising high-value initiatives and influencing cross-functional teams to deliver results.
• Designs innovative liability and transactional solutions that resonate with customer needs, embedding personalisation and digital-first experiences to enhance client satisfaction.
• Deep understanding of deposit economics, pricing strategies, and profitability levers. Applies sound financial judgment to optimise margins, manage cost-to-income ratios, and grow the liabilities book sustainably.
• Champions digitisation of transactional banking and liabilities products, driving adoption of self-service channels and automation to improve efficiency and client experience.
• Influences governance forums and embeds proactive risk management into product strategy. Balances innovation with compliance, ensuring portfolio health and regulatory adherence.
• Expert in pricing governance and concession management, ensuring competitive positioning while safeguarding profitability and ROE.

• Strategic Ownership
• Execution & Delivery
• Analytical & Insight-Driven Decision Making
• Data-Driven Decision Making
• Leadership
• Accountability
• Prioritization in Dynamic Environments
• Creating Compelling Propositions
• Customer-Centric Mindset
• Commercial Acumen
• Financial Stewardship
• Digital & Innovation Leadership
• Regulatory & Risk Governance
• Pricing Strategy
• Margin Management

• First Degree
• Industry: Banking & Financial Institutions