Head, Digital Lending, Africa & Middle East at Standard Chartered Bank Kenya

JOB SUMMARY

• Head, Digital Lending Products reporting to the Managing Director & Head, Personal, Business and Digital Banking, AME & Europe region.  The candidate should possess a strong understanding of digital solutions for retail lending products, experience in identifying business opportunities for retail banking and to set the strategies and implementation of digital retail lending products. You will be responsible for orchestration and oversight of the entire digital lending solutions delivery process, end to end, in order to deliver digital lending initiatives in AME/E. You will also be responsible for ensuring ongoing optimal performance of digital lending solutions.

RESPONSIBILITIES

• Set the strategies and roadmap per country, on digital lending solutions to meet the business outcomes per segment.
• Manage direct reports and oversight over country digital heads, acting as digital lending Product Owner, to set the product vision and formulate business requirements in agile projects. 
• Work with Third Parties Service Providers (TSPs) to establish business opportunities, responsible for onboarding, governance and on-going monitoring of TSPs
• Collaborate with segment and product teams to design the game plan and workflow on execution, including where relevant, Third Party Service Providers, to drive product acquisition/ customer satisfaction
• Work closely with agile development team in the group hives, on technical delivery according to the product vision and expected outcomes
• Ensure efficient processes for channeling communication from assigned teams
• Ensure all issues relating to security and integrity of the Bank channels are satisfied
• Act as an expert for digital lending product solutions and issues,  and orchestrate effective communication amongst key stakeholders
• Establish close relationships with business teams to meet the business objective.

Strategy

• To drive Digital Lending Strategy for Consumer, Private & Business Banking (CPBB), AME/E 

Business

• CPBB 

Governance

• Ensure all digital payment process implementation & payment solution adhere regulatory compliance and security standards to protect customer data & transactions 

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

Key stakeholders

• Group Hives and Digital Banking team.
• Regional Technology and digital banking team
• Regional RB team – RB Head, Segment and product, CEPG, Distribution, Transformation and alliances
• Country RB Heads, Country CCH, Product, Digital, COO, CFCC, Legal Heads in country and region

Our Ideal Candidate

• Strong knowledge and business acumen in Retail Banking lending products/ service.  Solid experience in executing digital initiatives in different jurisdictions
• Understanding of architecture design and digital channels, and ability to solution for digital lending products end to end, on digital channels
• Proven problem-solving skills with ability to consider alternative and lateral solutions, with the ability to anticipate challenges
• Strong judgement skills to identify and resolve complex problems whilst adhering to time-lines and quality of output
• Strong stakeholder management skills through effective communication, presentation and influencing
• Creative and dynamic in exploring different uses cases to drive innovation
• Strong leadership and people management skills

Role Specific Technical Competencies

• Retail Lending Products
• Digital Architecture & Platforms