Head , CCPL & Payments - Mumbai - Standard
- Standard Chartered
- 15 - 20 years
- Mumbai
- 4 years ago
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Job Description
The position is responsible for
- Product development, profitability delivery of the strategic agenda for Credit Cards Personal Loans
- Achievement of the budgeted growth in customer numbers, balance sheet profits for the product
- Ensuring end-to-end processes are developed to deliver high NPS scores across the Cards and Personal Loans Product as well as adhering to all internal regulatory control requirements
KEY RESPONSIBILITIES
STRATEGY
- Develop a product suite and Customer Value Proposition that is distinctive, market-leading and scalable, while being consistent with the global strategy and framework.
- Deliver customer growth numbers through both on-boarding CVP product enablers as well as control attrition
- Drive Profitability, as well as grow in line with market on strategic products
- Manage, maintain develop strong and differentiated and best-in-class product offerings.
- Manage the technology development and implementation of strategies to deliver product propositions CVPs.
- Develop strategies for revenue generation through cross sell route
- Derive insights to competitor strategies and take proactive steps.
- Build partnerships with Group to drive key initiatives
- Lead the payments channel; manage Debit card product portfolio, and emerging payments. Should understand the landscape in the payments industry
- Delivering Innovation in Business adoption and growth for payments. Drive UPI, QR, and Bill pay adoption.
- Evaluate and roll-out new payment platforms
- Drive Net-Banking payment mode and increase volumes and interchange
- Engage with Payment schemes like MasterCard, Visa, Rupay etc and drive strategies to grow the business jointly with them.
ACQUISITION
- Continuously analyse product performance and identify improvement/ growth areas
- Set business performance standards for
- Acquisition
- Retention
- Profitability
- Support all sales efforts by the sales stream to be the Best in the Market in terms of in-branch/Indirect acquisition model.
- Review, analyze and manage the customer portfolio for profitable growth.
- Initiate development of strategies for customer acquisition, retention and cross sell
OPERATING PROFIT
- Maximize business performance and achieve Best in class opportunity.
- Manage the budget, ensuring it is met and accurately forecasted throughout the year, including all product-related costs.
- Manage the fee structure, revenue generation and minimize revenue leakage.
OPERATIONS COMPLIANCE
- Ensure team compliance with all policies and guidelines of the country and the group
- Post account set up processes on control as well as service issues.
PEOPLE LEADERSHIP
- Build internal and external relationships with various functions (Group Teams, Sales, Technology, Compliance, Risk etc.) as well as partners (Visa, Master, NPCI, Cco-brand Partners)
- Identify, develop and coach talent to build strong internal capability and resources to create a world class team
- Develop and build a strong talent pipeline for future business growth and continuity
- Drive engagement within the team and minimize regrettable attrition.
KNOWLEDGE/SKILLS/EXPERIENCE
- Experience in PL business management.
- Track record of successful implementation of product variants and innovative customer offerings.
- Strong communication and negotiation skills with the ability to influence outcomes.
- Ability to manage and implement change initiatives by taking ownerships and working with all stakeholders.
- Strong inter-personal skills and leadership ability, which encourages and promotes enthusiasm and team spirit.
- Management graduate with over 15 years relevant working experience.
- Experience of leading product teams especially credit cards
Job Classification
Industry: Education / Teaching / TrainingFunctional Area: Financial Services, Banking, Investments, Insurance,
Role Category: Life Insurance/Financial Services
Role: Life Insurance/Financial Services
Employement Type: Full time
Education
Under Graduation: Any Graduate in Any SpecializationPost Graduation: Any Postgraduate in Any Specialization
Doctorate: Any Doctorate in Any Specialization, Doctorate Not Required
Contact Details:
Company: Standard CharteredLocation(s): Mumbai
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Keyskills: Customer acquisition Capacity management Interpersonal skills Global Strategy Credit cards Customer relationship Management Revenue generation Balance Sheet Personal loans
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