Job Category: ProductJob Description: * Responsible for gathering retail deposits in line with ALCO direction as well as CB business direction.
Maximize Net interest income from deposits by maximizing NIM, deposit AUM and customers.
Create products strategies in individual and juristic deposits, digital and non-digital savings and fixed deposits.
Develop business plans, toward product strategy including defining products and target customer to meet business goals.
Develop and manage funding inflow/outflow to align with the bank's financial policy and create funding tools that generate highest return with low cost of fund to the bank.
Create product development on both Deposit and debit Card product on all channels ie. Branch, digital channel
Portfolio management; Manage cross-selling through existing deposit and other product's base to create incremental NII/NOII revenue per customer. Maintain healthy portfolio, upsell and cross-product benefit via weekly data analytic.
Monitor and drive key business indicator ie. CASA ratio/COD/NIM/NII/NOII and key financial indicators according to business direction.
Monitor performance on daily/weekly/monthly on all channels. Design strategy to address gaps
Coordinate with internal stakeholder to create efficient product/ campaign development toward product business plan ie. CBSM, Finance, IT, Digital team, MKT, DB, CSD, Branch, compliance, legal.
Coordinate with external stakeholders and partners to achieve business strategies ie. TRUE, Air Asia, ARC (reward platform)
Develop and maintain good customer journey on all contact points ie. Branch and digital channel
Assure all product, process are complied with relevant regulations especially AMLO, BOT; address fraud and mule account issues
Assure all product, process follow internal' governance. Initiate process improvement to continuously improve.
Monitor and control sales process as well as proper document been used especially branch channel.
Implement additional sale incentive (if necessary) to incorporate with business direction. To monitor and communicate to branch for effective results.
Control and manage Budget, expenses of product to ensure its effectiveness and efficiency.
Assure interest related document are updated and correct on all communications/announcement. Including parameter setting that impact on both branch and digital interest rate.
Create all committee documents for ALCO, RECOMs, RBC, and others for product/process approval.
Other products/service management; initiate/redesigning products or service to correspond with product's strategy as well as match with industry's behavior trend e.g. cardless withdrawal, wallet-linked account
Branch/Digital process improvement : paperless on factsheet, T&C, product catalog via QR.
