Global Head

**Job Summary**
- This JD outlines the expectations for a senior executive responsible for leading the development, implementation and growth of digital Retail Banking Propositions globally in Wealth and Retail Banking (WRB) business. This high-impact role will focus on defining the future of digital retail banking propositions, creating seamless, innovative and client centric solutions that will elevate the client experience, engagement & loyalty across 26 markets and client segments.
- The Retail Banking Proposition Head is responsible for driving digital innovation and serves as a cross-functional change agent providing strategic leadership to deliver best-In-class retail banking and payment solutions to fuel growth in WRB. The job holder shall closely manage and lead in the various digital implementation of the global Retail Banking propositions ensuring alignment with customer needs, regulatory requirements, market trends and product excellence. The breadth of products supported includes deposits, credit cards, retail payments, personal loans, mortgages as well as enablement of global digital partnerships agenda.
- This role requires a deep understanding of retail banking products and services as well as a sound appreciation of the regulatory landscape of the financial industry. It also requires the job holder to lead in transformation agenda to drive scalable, client centric solutions that meet the diverse clients’ needs in a volatile, uncertain, complex, ambiguous (VUCA) environment. The role will work closely WRB markets heads, Retail Banking Product and Technology delivery teams to ensure the successful digital delivery of Retail Banking products and services across the global footprint.

**Key Responsibilities**

**Strategy**
- Drive the long-term vision and digital innovation roadmap for retail banking propositions, partnerships and services, aligning with overall business objectives, digital transformation goals, customer needs and market & competitor dynamics.
- Continuously evaluate the digital & market trends and identify new opportunities to innovate, enhance and/or expand the suite of retail banking solutions, to cater to various customer segments ensuring a client centric approach to development.
- Champion a customer-first approach in digital delivery, using data and insights to prioritise feature development and product improvements.
- Lead the development of seamless, intuitive, and cohesive retail banking propositions & digital journeys serving the client continuum that comply with relevant regulatory frameworks and are secure, scalable and user-friendly.
- Drive product differentiation through new features, partnerships and digital innovations that enhance customer engagement & loyalty.
- Establish open banking/API approach to enable partnerships strategy.

**Business**
- Oversee the end-to-end digital development and launch of retail banking propositions & partnerships, ensuring they meet the local demands and align with regulatory and compliance obligations.
- Lead efforts to deeply understand customers needs, pain points and behaviours, ensuring that product propositions are designed to deliver exceptional experiences.
- Develop and manage a global digital delivery roadmap, ensuring timely delivery of key features and initiatives.
- Prioritize digital product & partnership initiatives and enhancements based on strategic impact, customer demand, and financial performance, ensuring alignment with digital retail banking product vision and customer needs.
- Lead innovation efforts to adapt to evolving market conditions, regulatory changes, and the changing needs of retail banking clients across the client continuum.
- Collaborate with Retail Banking Markets Heads, external vendors, counterparties/ product providers to design and deliver integrated digital solutions to enhance digital capabilities that address client and market needs across retail bank.
- Lead cross-functional teams, including Product Owners, Designers, Engineers, to deliver features and improvements on time and within scope.

**Processes**
- Establish and monitor key metrics to assess product & platform adoption, monetisation, and user satisfaction, making data driven decisions to optimise resources and deliver business outcomes that are aligned to the organisational goals.
- Lead initiatives to continuously improve platform stability, cybersecurity, operational resilience, ensuring that the platform delivers retail banking product solutions and services in a scalable, safe, and compliant manner.
- Manage the retail banking propositions digital delivery budget, ensuring efficient allocation of resources to achieve strategic goals.

**People & Talent**
- Lead, mentor, and build a high-performing global team responsible for digital product development, management, and strategic initiatives, fostering a culture of innovation, excellence, collaboration, client centricity, continuous improvement, inclusivity, and accountabi