Principle Accountabilities

Financial

• Come up with strategies aimed at cost minimization whilst ensuring service standards are not compromised.
• Ensure new revenue generation through opening up the markets for business opportunities for all HFC Bank products. Overall Retail profitability improvement and cost management.
• Ensure that working capital product and ABC channels revenues and profitability targets are met and exceeded.
• Ensure Inputs to departmental budgets are submitted on a timely manner.
• Ensure departmental financial targets are monitored and managed monthly, with reporting on variances against set targets.
• Offer structured and need based solutions to meet the specific cash management and trade services requirements of our customers and prospects.
• Develop action plans for corrective action in all incidents of negative variance.
• Maximize business performance and achieve “Best in Class” profitability.
• Manage costs including all product-related costs.
• Manage the Fee Structure, revenue generation, NPLs and minimize revenue leakage.
• Negotiate terms and conditions with customers to maximize revenue and profitability.
• Monitor, track and report on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
• Identify opportunities for cross selling and referrals to other HFC business lines through developing a good understanding of client needs.

Strategy

• Launch and Manage new and innovative products and cash management solutions
• Conduct joint calls to ensure sales targets are met, new revenue opportunities are identified and customer feedback is obtained.
• Ensure smooth deal implementation and while maintaining high levels of service quality.
• Management & portfolio optimization strategies in Retail to achieve goal of maximizing Product Contribution.
• Build and oversee business development and engagement model with external business partners critical to strengthening product offering value proposition and revenue growth of product portfolio.
• Manage & optimize portfolio risks in conjunction with Risk department.
• Manage and maintain the development of strong and differentiated product propositions for Retail Lending and Deposit propositions for both Business and Personal Banking segments.
• Manage development of suitable customer value propositions to ensure sustained competitive advantage on a continuous basis for Business customers, emerging affluent and affluent customers.
• Ensure the implementation of appropriate systems and operational procedures to support sales, track MIS and profitability.
• Through regular trainings align frontline to focus products and revenue optimization.
• Manage the card product proposition including revenue ownership for interchange
• Selectively broaden product offerings to maximize “Share of Wallet” for Retail customers
• Manage the development and implementation of strategies to cover Customers & Segments, Channels and Processes.
• Drive the system towards service quality standards in an efficient operation where risks are well controlled (through product process re-engineering)
• Plan and implement long and short-term direct and indirect promotions and account management strategies to perform different types of sales programs to achieve the annual targets of specific target segments and products.
• Champion the evaluation and maintenance of credit approval criteria so as to maximize customer enrolment, properly balanced against credit risks and NPLs
• Formulate and implement Business and Marketing Strategies in line with overall Retail Banking Business Goals. Conduct competitor analysis to ensure profitability of retail business is optimized
• Ensure effective Internal Control systems are in place and related procedures and techniques are developed and implemented so as to minimise credit and other operational losses.

Acquisition

• Create a formal and informal feedback systems to analyse product and transaction banking solutions performance.
• Set business performance standards for acquisition and upsell, retention and profitability
• Support all sales efforts by the sales teams to be the “Best in the Market” in terms of sales strategy development, In-branch / direct acquisition model and sales campaigns
• Initiate development of strategies for cross sell existing customers.
• Understand the needs Support where necessary, via joint customer calls and identify potential customers.
• Plan and coordinate marketing and promotional initiatives (in liaison with Marketing Department) for the acquisition of new business

People Management

• Providing overall leadership of the department and defining a framework for developing them into a high performing and engaged workforce, through managing their performance, motivating, coaching and training them accordingly.
• Maintain a high performance at an average half yearly performance rating of 70% for the team.
• Leave management for self, direct reports and cluster staff.
• Level of own development plan maintenance.
• Employee Engagement score.
• Ensure training for self and direct reports as per policy

Key Competencies and Skills

• Ability to multi-task and cope with tight deadlines in a high-pressure environment
• Must be a self-starter and have an appreciation of business growth and priorities
• High Leadership Skills
• Problem solver
• Good presentation skills.
• Technology orientation
• Ability to manage and implement change initiatives.
• Strong inter-personal skills and leadership ability – encourages enthusiasm and team spirit.
• Capacity to define problems; gather data, establish facts and draw valid conclusions
• Analyze and interpret statistical data, focus on details, correlate various pieces of information, identify trends, and understand the reasons behind problems as well as successes
• Generate effective solutions to problems while considering all aspects of situations
• Strong interpersonal skills highly motivated and well organized; excellent oral and written communication skills
• Ability to handle multiple tasks while prioritizing the importance of items in a fast paced environment
• Flexible and adaptable – Ability to quickly adjust to new changing trends and remain effective when faced with new challenges and responsibilities.
• Personal Ethics – Must be honest, fair, just but firm with self, and of high integrity
• Pragmatic thinker – Ability to be practical and relate new ides to actual rational results

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree from a recognized accredited university.
• Master’s degree in strategic management or business administration, or other similar relevant qualification.
• At least 5 years banking experience in cash management, transactional banking or product management at least 2 years should be at Senior Management level
• In-depth knowledge of Retail products (SME and Personal Banking solutions).
• Experience in business planning relating to sales, distribution and service.
• Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.

Principle Accountabilities

• Design and document operational manuals and procedures.
• Undertake the day-to-day management of the Bank’s database platforms.
• Ensure that all the assigned bank information technology platforms keep pace with technological innovations and developments as a way of protecting investment in technology.
• Manage relationships with all technology-based service providers as a way of ensuring that uptimes are optimized.
• Evaluate, plan, implement and maintain the assigned Bank’s information technology and telecommunication system and projects within agreed time and budget constraints.
• Develop and manage a Business Continuity Plan and Data Security Plan for the appropriate systems (including IT Operations) in order to guarantee continuation of services at all times.
• Increase computer awareness and literacy among staff to enhance skills base and productivity.
• Ensure appropriate controls and monitoring mechanisms to keep information technology operations and services in place despite power outages and telecommunication failures.
• Monitor and manage service user complaints to ensure maintenance of the highest standards of service.
• Organize, manage and motivate fellow staff members and partners whenever assigned to projects or incidences through establishment of suitable structures and implementing development programs to optimize competence and productivity.
• Ensure appropriate MIS are produced for IT and the bank’s management.
• As a member of various systems related committees and projects, take a proactive role in influencing policy and the strategic direction of the Bank.

Key Competencies and Skills

• Takes a structured and effective approach to own work and demonstrates leadership potential.
• Is able to analyze, diagnose, plan, execute and evaluate work to time, cost and quality targets, exhibiting familiarity with available tools, standards and procedures and making correct choices from alternatives.
• Effective communicator, able to guide and advise clients and business partners.
• Astute at planning for mission critical production activities.
• Proficiency with the following Oracle and Microsoft database technology stack;
• Good understanding of SOA-centric concepts and technologies, authentication and data security.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.
• Knowledge and experience with ITIL as a best practice framework for Systems Development.

Minimum Qualifications, Knowledge and Experience

• University Degree in technology related field – Upper second or equivalent
• Database Management Certification in Oracle is a must.
• Proficiency in project management or ITIL.
• Minimum of 7 years’ experience in supporting IT systems in general with 4 years of experience in Database Administration with an OCP certification.
• 2 years’ experience in Sybase, MySQL, MS-SQL, Azure Cloud, PostgreSQL with proven experience in installing, setup, support and troubleshooting modern database and in a high availability environment
• 2 years’ experience working in UNIX and windows environment.
• 2 years’ experience in Banking Operations, Storage and Backup management, Data Warehousing and ETL concepts.
• Thorough experience in formal Software Lifecycle methodology, design and administration of RBMSs.
• Experience in Sybase (or SAP Hanna) will be an added advantage.

Principle Accountabilities

• Support the development and documentation of operational procedures and manuals related to database and backup operations, ensuring consistency and adherence to IT policies.
• Assist in the day-to-day administration of the Bank’s database platforms, including routine monitoring, troubleshooting, patching, and user support.
• Stay informed on emerging database technologies and contribute insights on upgrades or enhancements to maintain efficiency and security of the Bank’s data systems.
• Coordinate with service providers for database, backup, and storage solutions to ensure service uptime and timely support resolution.
• Participate in planning and implementation of assigned IT and database-related projects, ensuring tasks are delivered within scope, time, and budget
• Support the implementation and testing of Business Continuity Plans and Data Security policies related to database systems to ensure high availability and data protection.
• Promote database usage awareness among staff, offering guidance or training to enhance proper system use and data handling practices.
• Ensure proper monitoring and alerting mechanisms are in place to maintain database uptime during system or power interruptions.
• Log, monitor, and escalate user issues or complaints regarding database access or performance to ensure timely resolution and service satisfaction.
• Collaborate with colleagues and vendors on incidents or projects, contributing positively to team efforts and supporting knowledge sharing.
• Assist in the preparation of regular Management Information System (MIS) reports related to database usage, performance, and incidents.
• Provide input to IT committees and projects where database expertise is required, contributing to discussions on system improvements and strategy.

Key Competencies and Skills

• Takes a structured and effective approach to own work and demonstrates leadership potential.
• Is able to analyse, diagnose, plan, execute and evaluate work to time, cost and quality targets, exhibiting familiarity with available tools, standards and procedures and making correct choices from alternatives.
• Effective communicator, able to guide and advise clients and business partners.
• Astute at planning for mission critical production activities.
• Proficiency with the following Oracle and Microsoft database technology stack.
• Good understanding of SOA-centric concepts and technologies, authentication and data security.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-service oriented culture.
• Knowledge and experience with ITIL as a best practice framework for Systems Development.

Minimum Qualifications, Knowledge and Experience

• University Degree in technology related field – Upper second or equivalent
• Database Management Certification in Oracle is a required.
• Proficiency in project management or ITIL.
• Minimum of 1 year experience in Banking Operations is desired
• Minimum of 2 years’ experience in supporting IT systems and Database Administration.
• Minimum of 1 year experience in Sybase, MySQL, MsSQL, Azure Cloud, PostgreSQL with proven experience in installing, setup, support and troubleshooting modern database.
• Minimum of 2 years on Oracle and 1 years on MS-SQL in a high availability environment
• Minimum of 1 year experience working in UNIX and windows environment.
• Minimum of 1 year experience in Storage and Backup management, Data Warehousing and ETL concepts.
• Thorough experience in formal Software Lifecycle methodology, design and administration of RBMSs.
• Experience in Sybase (or SAP Hanna) will be an added advantage.

Principle Accountabilities

Strategic Planning and Execution

• Support the Group in developing, reviewing, and cascading the Group Commercial Strategy in line with HF Group objectives.
• Unify the strategic thrusts for each subsidiary to drive solution delivery to support delivery of budgets, and medium‑term plans for the group in collaboration with subsidiaries.
• Drive execution of unified CVPs for customers.
• Prepare periodic performance reports, management insights, and presentations for EXCO, Board Committees, and senior leadership.

One HF Alignment & Group Coordination

• Coordinate cross‑subsidiary planning to ensure alignment to the One HF strategy and unified commercial priorities.
• Consolidate commercial plans, initiatives, and performance reports across the Group.
• Facilitate collaboration between the Group, subsidiaries, and shared services to drive value to customers across the subsidiaries and deliver consistent execution.

Customer Value Propositions (CVPs)

• Develop, roll out and commercialize Group Customer Value Propositions (CVPs) across subsidiaries that tap into large market pools
• Conduct market analysis, customer insights, and competitive intelligence to inform CVP design and enhancement.
• Track CVP performance and recommend improvements based on data and market feedback.
• Develop metrics of impact of group CVPs to subsidiaries.
• Coordinate CVP development across subsidiaries to ensure group synergies are achieved.

Digitization & Digital Lending Support

• Embed the digitization agenda across the lending CVPs aligning this across the subsidiaries.
• Work closely with the Bank and Digital teams to support digital lending initiatives, including CVP impact monitoring and performance reporting.
• Monitor adoption, revenue impact, and customer experience metrics for digital products and channels.

Data Commercialization & Analytics

• Champion data‑driven planning and decision‑making within the CVP development functions across the subsidiaries.
• Embed initiatives aimed at monetizing data assets and strengthening commercial analytics across the CVPs.
• Coordinate with Data, IT, and Analytics teams to ensure availability, integrity, and effective use of commercial data.

Large Ecosystems CVP development

• Identify large ecosystems in the market and develop cross cutting CVPs across the subsidiaries to grow HFG subsidiaries share of wallet of these ecosystems.

Large Ticket & Revenue Growth Support

• Support planning, pipeline tracking, and reporting for large‑ticket transactions and strategic accounts.
• Analyse revenue trends, opportunities, and risks to support informed decision‑making.
• Coordinate inputs from subsidiaries and relationship teams for consolidated Group reporting.
• Monitor project progress, escalate issues, and prepare status updates for the Group Commercial Director.

Key Competencies and Skills

• Excellent stakeholder management and coordination capabilities
• High attention to detail with strong execution discipline
• Ability to build and deploy customer solutions end to end
• Ability to translate strategy into actionable and measurable plans
• Strong communication, presentation, and report‑writing skills
• Commercial acumen with a data‑driven mindset
• Proactive, results‑oriented, and self‑driven
• Ability to work effectively across multiple business units
• High integrity and professionalism
• Ability to operate in a fast‑paced, evolving environment

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor’s degree in Business, Economics, Finance, Strategy, or a related field; A Master’s degree or relevant professional qualification is an added advantage.

Experience

• Minimum of 10 years’ relevant experience in strategy development, product management and development, or sales management within a Financial Institution.
• Past balance sheet and or P&L responsibility will be an added advantage.
• Exposure to digital transformation, data analytics, or commercial projects is desirable.

Principle Accountabilities

Strategic Planning and Execution

• Support the Group in identifying and commercializing large strategic sectors that can deliver value across the various subsidiaries.
• Build an understanding of the endowment of the various subsidiaries and working with the Group CVP development manager develop route to commercialization of various initiatives.
• Unify the strategic thrusts for each subsidiary to drive solution delivery to support delivery of budgets, and medium‑term plans for the group in collaboration with subsidiaries.
• Drive execution of unified CVPs for customers.
• Prepare periodic performance reports, management insights, and presentations for EXCO, Board Committees, and senior leadership.

One HF Alignment & Group Coordination

• Coordinate cross‑subsidiary planning to ensure alignment to the One HF strategy and unified commercial priorities.
• Consolidate commercial plans, initiatives, and performance reports across the Group.
• Facilitate collaboration between the Group, subsidiaries, and shared services to drive value to customers across the subsidiaries and deliver consistent execution.

Bank balance sheet support

• Drive large deposit pools deposit acquisition strategy
• Drive ecosystem banking support for the bank to drive both sides of the balance sheet.

Digitization & Data commercialization

• Support the subsidiaries to acquire large customer pools through the data assets held within the various subsidiaries.
• Working with the subsidiary teams work on last mile value creation for large ecosystem players.
• Work closely with the Bank and Digital teams to support digital lending initiatives, including balance sheet impact monitoring and performance reporting.
• Monitor adoption, revenue impact, and customer experience metrics for digital products and channels.
• Champion data‑driven planning and decision‑making within the CVP development functions across the subsidiaries.
• Embed initiatives aimed at monetizing data assets and strengthening commercial analytics across the CVPs.

Large Ecosystems CVP development

• Identify large ecosystems in the market and working with Group CVP Development Manager develop cross cutting CVPs across the subsidiaries to grow HFG subsidiaries share of wallet of these ecosystems.

Key Competencies and Skills

• Excellent stakeholder management and coordination capabilities
• High attention to detail with strong execution discipline
• Ability to build and deploy customer solutions end to end
• Ability to translate strategy into actionable and measurable plans
• Strong communication, presentation, and report‑writing skills
• Commercial acumen with a data‑driven mindset
• Proactive, results‑oriented, and self‑driven
• Ability to work effectively across multiple business units
• High integrity and professionalism
• Ability to operate in a fast‑paced, evolving environment

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor’s degree in Business, Economics, Finance, Strategy, or a related field; A Master’s degree or relevant professional qualification is an added advantage.

Experience

• Minimum of 10 years’ relevant experience in sales, sales management within a Financial Institution or Telco.
• Experience in a digital first environment in sales or past balance sheet and or P&L responsibility will be an added advantage.
• Exposure to digital transformation, data analytics, or commercial projects is desirable.