Initiate and execute consumer credit card & personal products to drive overall card business growth, with primary objectives to grow new card base, improved product profitability through relevant product features & benefits and working closely with all stake holders.
5.0
KEY RESPONSIBIITIES
Role requires regular interaction with sales channels, operations, credit policy and credit processing hub to monitor and drive cards performance to achieve the cards goals.
Supporting the above, the role's functions include the following:
Product/Proposition Developmemt
Initiate in the development of new products or enhancement of existing products by preparing the necessary paperwork and involved in gathering required information from relevant stakeholders like IS, Operations etc
Process Development
Review areas for new process development to cater for new business initiatives or assist in improving existing processes that support the business
Portfolio Management
Provide the necessary reporting from the perspective of performance of campaigns or initiatives and to track and report overall products health across the Bank
Campaign Management
Lead in the development of campaigns which includes working with the relevant advertising agencies to obtain the necessary marketing materials.
Market Awaremess
Understand the market environment and impact of competitors action plans.
To assist the changes in regulatory, monetary and economic environment to the business
KEY RELATIONS
Working Relations
(INTERNAL & EXTERNAL)
Regular Contacts
Internal
Nature of Purpose
Business Finance
Consumer Risk
Contact Center
Technology
Cards Operations
Decision Management
Group Legal/Operational Risk/Compliance
Group Corporate Affairs and Branding
SME
External
Card associations
Advertising Agencies
Suppliers
Customers
Business planning, reporting, forecasting and budgeting
Policy setting & credit approval
Anti Attrition programme, service level and customer experience
Host and platform readiness, availability and support
Supply chain and inventory management, cost saving measures
Requests for extraction of relevant data to support decision making or report preparation
Review of agreements, terms and conditions, compliances and advisory matters
Product publication, collateral, communication and advertising
Business strategies & process for business cards
Industry and regulatory initiatives and directions
For development of marketing creatives
Sourcing of promotional items/services, lettershopping services
Handling of complaints/correspondences on campaigns
CONTRIBUTES TO
Consumer banking business performance, specifically in terms of:
Product revenue
Product receivables
New customers
Brand health
Customer experience
AUTHORITIES
Authority to execute campaigns and assist Head, CCPL Product Development & Credit Support in running the business.
