Job Summary

To effectively manage and grow Retail customer base and Retail liability portfolio aimed to achieve annual financial goals and establish market leadership through:

1)   Managing customer acquisition propositions with focus on high value customer (i.e. Qatari & salaried Expat)

2)   Managing on-boarding initiatives such as QVC, CB@Work and DAO onboarding 

3)   Managing account-related developments that covers maintenance of retail T&Cs and tariff of charges 

4)   Managing the Retail Liability portfolio and product suite focused on growing low-cost deposits and maintain balance between high-cost deposits and over-all cost of fund

Key Accountabilities

Customer Acquisition: 

•   Drive customer acquisition and cross sell, by executing strategic propositions that appeal to Qatari and Expat customers and are market leading. 

•   Facilitate conceptualization, design and review of CB Retail Banking acquisition propositions through the utilization of analytics data, market insights and internal capabilities. 

•   Work with internal stakeholders to achieve acquisition strategies across all segments and nationalities in order to generate customer acquisition growth and revenue for the bank

Liabilities:

•   Manage over-all Liabilities portfolio growth

•   Work with internal stakeholders to achieve deposit growth strategies across all segments.

•   Coordinate with Treasury on a best efforts basis to obtain competitive rates for customers and manage FTP rates in line with bank objectives.

Product Strategy:

•   Coordinate with cross-functional teams and stakeholders (segments, marketing, IT, operations, other key departments) in the delivery of long- and short-term strategies. 

•   Work with relevant stakeholders in order to provide the bank with captivating customer offers in order to win in the market place.

•   Support stakeholders and delivery channels in the distribution and sale of products

•   Manage third party/partners relationships and engagements and ensure targets and objectives are met.

•   Responsible for formulating the acquisition and liability product proposition strategies; and ensure the implementation and delivery of underlying product / proposition objectives.

Budgets, Planning and Monitoring

•   Contribute to the preparation of the budget and monitor financial performance versus the budget, in order to ensure that the business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified

•   Monitor and manage over-all product performance and profitability, identify pros and cons on financial impact. Correct and direct whenever necessary.

•   Manage, update and maintain retail tariff of charges and T&Cs

•   Review budget and monitor financial performance to ensure that business is aware of anticipated costs/revenues and areas of unsatisfactory performance are identified.

Continuous Improvement and Supervision of Subordinates

•   Organise and supervise the activities and work of subordinates to ensure that all work within a specific area of the activity is carried out in an efficient manner, which is consistent with operating procedures and policy.

•   Provide training, coaching and constructive feedback to subordinates to support their overall development. 

Related Assignments

•   Perform other related duties or assignments as directed

Skills

Education

• Bachelor’s Degree, preferably in business administration, finance, economics or a related subject