This role will primarily focus on driving the cards product strategy (including credit, debit & prepaid card programs), piloting growth avenues through new partnerships and new customer programs, optimizing existing partnerships, marketing channels and card campaigns.

Key Accountabilities/ Deliverable/ Outcomes

Drive Business Performance – 55%

• Develop in partnership with credit Risk and data analytics teams lending frameworks that facilitate growth opportunities both for internal and external target populations.
• Work closely with internal partners like sales channels, Marketing, Finance, Analytics & other supporting departments to achieve the assigned Credit Card business targets-P&L.
• Work closely with branch network to drive card education and acceptance. Conceptualize and lead new avenues of growth in collaboration with the scheme partner
• Develop and implement marketing strategies and sales acquisition campaigns to maximize card acquisition for various products and sales channels.
• Review and manage various card programs with the aim to launch new programs and improve on existing features and benefits
• Identify new market opportunities and design strategies and onboarding frameworks to deliver on the assigned P&L lines
• Drive cards product growth strategy in line with competitor benchmarking and positioning analysis.
• Support the Head of Cards to ensure that monitoring tools developed are applied and effectiveness of training and other ‘people development’ activities are properly monitored.

Innovation and strategic partnerships for New Business, 3rd party Vendor management – 25%

• Support Cards Head in developing product, alliance & marketing strategy to maximize card uptake.
• Development of new sales channels market opportunities for sales acquisition with 3rd parties.
• Market insights and data analytics form third parties e.g. Bureau, 3rd party partnerships to open opportunities for card acquisition.
• Drive digital strategy for new cards business through channel optimization and integration with strategic partners with an aim of driving new customer growth.
• Management of 3rd party vendors for seamless delivery of product stocks, payment and SLA management
• 3rd party Coordination of invoice and reconciliation to achieve efficiencies.
• Channels efficiency to implement initiatives that drive an excellent customer onboarding experience with proper operational KPIs and measures
• Conduct monthly quarterly assurance review sessions to achieve win-win business relationships

Governance, Control and Risk – 10%

• Ensure compliance to Bank controls, policy, service standards and procedures as laid down by the bank
• Ensure all mandatory training is completed to deadline and understood within given timescales.
• All risk events (incidents) or control failures to be escalated, investigated, reported and fixed at root cause to prevent re occurrence.
• Successful independent conformance assurance (e.g. RCA, BIA, Regulatory Compliance, PwC)

People and Team Work – 5%

• Work closely with the Head of Cards and the Issuing team to deliver exceptional business performance
• Share best practice with, and provide feedback to, the other members of efficiency Team, on all business and people related issues, climate and local development and initiatives.
• Build effective relationships, influence and motivate Team Leaders to ensure their wholehearted commitment to effective application of performance management practices.

Self-Development – 5%

• Pursue self-development to increase personal effectiveness, acknowledging strengths and areas for development.

Qualifications

• Bachelor’s degree
• Master’s degree is an added advantage