Job Purpose:

Lead and shape the Retail Banking Sales strategy focused on direct sales channels. Oversee a team responsible for customer acquisition, revenue growth, and expanding the customer base. Drive the profitability of credit cards, personal loans, and employee banking propositions through both direct and alternate sales channels.

Key Responsibilities:

Business Management:

• Develop and implement sales strategies for credit cards, personal loans, and employee banking.
• Set and achieve sales targets, ensuring revenue growth and cost efficiency.
• Identify new market opportunities and leverage innovative sales channels.
• Monitor and manage budget performance.

Budget Accountability:

• Accountable for achieving annual sales targets as agreed. Such targets include product lines, utilized and income generated.
• Monitoring of progress towards achieving targets is done monthly.
• Sign off on invoices involves and all payments within overall annual cost budget as agreed with the Managing Director Retail Banking.

Brand, Product, and Business Propositions:

• Provide clear direction to direct reports on Direct Sales business objectives, translating and prioritizing into business performance measures at individual level.
• Based on analysis of customer requirements (as a result of formal customer research or informal customer feedback), request that new products within current ranges, or new product ranges from the current set available, be added to the portfolio of products than segment can offer.
• Arrange implementation of new product sets with assistance from specialist product managers and ensure that direct reports are prepared for the implementation.

People Management:

• Lead, mentor, and build a high-performing sales team.
• Conduct regular coaching, performance development, and succession planning.
• Work with the direct reports to achieve sales & service objectives through focused sales generating.

Risk & Compliance:

• Implement and adhere to risk and compliance policies.
• Conduct regular assessments and ensure regulatory compliance.

Core Responsibilities:

• Develop and implement comprehensive sales strategies for credit cards, personal loans, and employee banking products.
• Drive customer acquisition through direct sales channels.
• Collaborate with product teams to launch new offerings.
• Maintain strong client relationships and pursue new business opportunities.
• Foster a positive and inclusive work environment, implement employee engagement initiatives, and develop a talent pipeline for future growth.

Qualifications & Experience:

• Education: Bachelor's degree in Business Administration, Finance, Marketing, or related field; MBA preferred.
• Experience: 15+ years in sales with 5+ years in a leadership role within banking/financial services.
• Skills: Strategic thinking, sales acumen, team management, customer focus, and risk management.

Competencies:

• Strong leadership and team management.
• Excellent communication and interpersonal skills.
• Proficiency in market analysis and performance monitoring.
• Ability to adapt to changing market conditions.