Job DescriptionJob Purpose.To ensure the consistent integration, adoption and application of the Business & Commercial Banking (BCB) Customer Acquisition and Retention strategy and related toolbox(es) for Direct Banking offerings that will aggressively grow the client base in country (i.e. acquisition through ecosystems). To drive the implementation of the Direct Banking Client Solutions in country to improve overall client and revenue growth.Job Specifics.Adhere to client experience framework and measurement.Check alignment to the BCB People & Culture Standards with regards to all employee-related matters for own team.Check that escalation procedures exist for the reporting and resolution of specific breaches of policy, regulatory breaches, etc.Determine and guide performance and associated award in consultation with BCB Human Capital, and in alignment with SBG guidelines for own team.Develop country client risk appetite based on the defined framework which is signed off by BCB Head in conjunction with BCB Risk.Identify current and potential employee skill requirements in consultation with the BCB People & Culture function.Implement a first line risk management capability for client facing channels to ensure compliance.Implement and adhere to the SBG Cybersecurity policies to mitigate risk.Implement and monitor risk management for Direct Banking (e.g., operational and credit risk).Implement client standards and policies aligned to BCB minimum standards and enhance for local requirements in agreement with relevant toolbox owner(s).Implement internal audit and operational risk remediation actions and close out all matters relating to Direct Banking.Implement the agreed risk framework and appetite in alignment with toolbox owner and country Risk Corporate Function requirements.Implement, track and report on agreed financial and non-financial metrics (e.g. number of client defaults, net promoter score, client growth, etc.).Keep abreast of industry trends and macro challenges and adjust the Direct Banking strategy accordingly.Lead, inspire and coach a team of professionals, develop talent, create succession to key roles.Mobilize employees in order to fulfil the bank's objectives regarding client service; sales; people management and engagement; transformation; risk and compliance.Monitor and report Direct Banking adherence to regulatory requirements.Provide input into and adhere to the risk control procedures and governance as defined for Direct Banking in consultation with BCB Head and country Risk Corporate Function.Provide input into client journeys development as delegated by BCB Strategy.Provide input into the BCB AR Customer Acquisition and Retention strategy.Provide input on toolbox development for consumption by other countries where common benefit could be derived, as approved by BCB AR.Report on Direct Banking's performance in country and undertakes remedial actions to ensure financial outcomes realization.Responsible for the achievement of the agreed financial outcomes for Direct Banking in country.Work with country Product to identify, design and deliver fit-for- purpose client centric product solutions.QualificationsMinimum QualificationsType of Qualification: First DegreeField of Study: Business CommerceExperience RequiredRelationship Banking (Client Coverage)Business & Commercial Banking8-10 yearsExtensive experience in Retail Banking and Business Banking, including the design and development of customer solutions; identifying key drivers of income and cost lines. Experience in successfully growing the customer base, managing and growing a balance sheet and income statement. Proficient in the design and understanding of data management, analytics and business intelligence. Experience with products and processes across multiple segments and platforms.Additional InformationBehavioral Competencies:Developing StrategiesEmbracing ChangeEmpowering IndividualsEstablishing RapportGenerating IdeasInterpreting DataInviting FeedbackProducing OutputProviding InsightsPursuing GoalsResolving ConflictTeam WorkingTechnical Competencies:Continuous Process ImprovementCustomer Understanding ( Consumer Banking)Financial AcumenOperational PlanningProduct Knowledge (Business Banking)Risk ManagementStrategy Definition Rise and grow with a career at Standard Bank GroupJoin a committed group of 50 000+ people who stand behind one common purpose: Africa is our home, we drive her growth. We firmly believe that our people are our greatest competitive advantage. It's only through our people's expertise and dedication that we are able to bring our purpose and strategy to life in service of our clients and society at large. That's why we strive to create a work environment where our people can thrive, where they are able to bring their whole selves to their work and are empowered to pursue their dreams and aspirations. Join us as we Transform our Business
