+ Strategy and Planning - Achieving the agreed business targets (Revenue & Cost). - Review, develop and bundle Credit, Debit & Prepaid products to enhance cross and up selling efforts and increase market share - To launch and run campaigns to boost the Debit card acquisition, card usage and revenue. - To launch and run campaigns to boost Credit Card’s acquisition. - Keep abreast with the latest development of product and industry players to ensure that the banks product are in line with market demand. - To build customer based internally via campaign upgrade activities/encourage internal referrals. - Pro-active product & business development /approaches – to be abreast with the market needs and trend to remain competitive in the industry. Card proposition driven and product innovation. + Operations - Manage product performance to ensure set targets in relation to debit card business growth - Put in place anti-attrition and card usage strategies to curb attrition. - Ensure compliance according to guidelines.
+ Heads the development of Digital Banking Strategy for the Bank - Internet Banking - Mobile Banking - Mobile Lifestyle Applications - Social Chat Banking - Online Cash Management Solution - Mobile Sales and Origination Solution + The development of Standard Operating Procedures, Manuals and Guidelines for Digital Banking + Planning, developing and implementation of all the Digital Banking strategies. + Developing and implementation of Digital Banking support materials and services + Ensure the Bank’s Corporate Image (CI) is in-line + Annual Digital Banking budget + Ensure customer-centric view in digital initiatives + Develop & administer the digital portfolio, provide central monitoring of digital initiatives + Map digital capabilities to strategic priorities + Develop ways to attract and retain top digital talent + Oversee expansion of digital partner network (e.g. fintechs) + Creates and maintains digital business P&L transparency + Work with the Head of Product to prepare proposal papers, budgets, financial papers and other document related to Digital Banking
- Management of all impaired accounts. - Initiating legal action and frequent follow-up of the status with panel solicitors. - Prepare all related report for head office (local & group). - To propose solutions, strategy and monitor its implementation closely. - To with branches, lawyers, valuers and borrowers to ensure recovery efforts & strategy are implementation effectively. - Update recovery action status/reporting to management on frequent basis or when required. - Ensure prompt reporting to superior for matters requiring attention of the superior. - Carry out any other duties as and when instructed by the Management from time to time. - To conduct post mortem for newly impaired account as per guidelines. - To familiarized with all related group policy & guidelines. - Work closely with other colleagues (within the unit and other department, branches & head office) and other related 3rd party involved (i.e. lawyers, valuers & borrowers) at all time. - Travel to other provinces if required to. - Contribute and provide solutions to ensure the success of recovery.
- To provide the overall compliance & risk management functions of the Bank ensure in-line with all internal & external governance / regulatory requirements while support the Bank’s growth. - Formula, set, review Compliance & Risk Management strategy to govern all types of banking activities effectively and efficiently & to mitigate all types of risks. Constantly update and implement latest compliance & risk management requirement.
- To achieve the given business target including loans or deposits sales target via promoting & marketing of bank’s products & services. - To assist implementation of the Bank’s business strategies by carrying out all business development / marketing programs, activities & campaign.