Job Opportunities at Stanbic IBTC Bank

Job ID: 34084
Location: Lagos
Job Sector: Banking

Job Details

• Customer Channels

Job Purpose

• To implement processes and tools that track, resolve, oversee and optimise customer interactions with the bank; and foster customer loyalty by enabling effective and efficient customer interactions & usage of digital channels (e.g. ATM, POS, BNA, internet banking etc. by customers

Key Responsibilities
Customer experience across digital channels:

• Reviews customer utilisation of existing products, digital channels and functionality in order to understand trends and identify the reasons why certain products and channels are favoured by customers and incorporate learning into new customer experience designs
• Engages with frontline sales teams and teams that work with customer complaints, to get a real world understanding of what customers are asking for (customer needs) and to gain an understanding of complaints data; in order to incorporate findings into future process improvements for customer touch points
• Reviews the uptake and patterns of customer use of existing loyalty programmes to identify opportunities to improve the uptake of the bank’s loyalty programmes by advising product and channel managers on how to incorporate the existing loyalty offerings into their processes and value propositions.

Measures:

• Increase in number of active users
• Achieve and continuously improve NPS target
• Tracking and analyzing trend of issues and incidents to ensure the root causes of issues are being dealt

Process design and efficiencies:

• Works with process owners, process designers and process custodians in the bank to review processes and provide input on the customer requirements and look for opportunities to digitise, automate, integrate and simplify customer-impacting processes and make recommendations to product and channel teams.
• Reviews the customer touch points in the processes (whether it be a digital experience, frontline or call centre experience) to understand how the customer will be impacted by process changes, in order to make recommendations on improvements required from a customer point of view
• Reviews customer documentation and interfaces (for example digital interfaces if deployed in digital or phone scripts in a call centre) and make recommendations to product, process and design teams on improvements that could be made to enhance the customer’s experience

Measures:

• Achieve and continuously improve NPS target
• Number of continuous improvement opportunities identified and implemented
• No fraud incidents
• Prevent and Manage Fraud effectively
• Effective Event , Incidence and Problem Management across channels

Drive digital channels adoption strategy and project deliver:

• Works with branch teams to ensure that the digital channel strategy is adopted accordingly as it pertains to digital migration and penetration
• Scopes and documents business requirements for project that for Digital Banking channels and ensure that the business mandate is clearly documented, effective requirement gathering, analysis and successful implementation of projects.
• Continuously tracks and monitors projects to ensure delivery as per agreed scope and timelines and report on projects.

Measures:

• Achieve designated channel penetration targets across respective branch zones
• Achieve liability and income targets through channels sales and customer wallet share grow

People management:

• Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
• Ensures skill assessments and competency-based training takes place as and when required.
• Takes personal responsibility for coaching and mentoring others.
• Ensures the implementation of the leadership promise and employee engagement programme.

Measures:

• Staff engagement score
• Approved talent and succession plans
• Execution of talent and training plans for all staff

Internal & External Relationships:

• Enabling functions (IT) - Resolution of Channel downtime issues, Technical Vendors Engagement, Technical Projects delivery
• Operations (Account Maintenance) - Setup of intermediary channel accounts, Update of Account Status and customer information
• Operations (Domestic Payment & Card Operations)
• Personal and Business Banking (Branches) - ATM Channels support, delivery of service to walk-in customers(card activation, Funds transfer, Internet Banking Activation)
• Vendors/Service providers - Track SLA on service delivery
• Regulatory authority representatives - Receive regulatory directions for compliance implementation

Preferred Qualification and Experience
Qualifications:

• Degree Holder from a recognised University.
• Certification in service management, project management, leadership programmes

Experience:

• 7- 10 years experience of customer service PBB (card, IB, Mobile Banking); CIB (merchant acquiring, ecommerce and POS); and payments.
• General account on-boarding processes.
• Processes for seamless service delivery
• Experience in application of risk and compliance requirements related to customer onboarding

Knowledge/Technical Skills/Expertise:

• Banking Process and Procedures - Sound knowledge of the Bank's laid down policies and procedures as it relates to the processing of customer transactions.
• Business Acumen - The ability to analyse business financial performance as well as competitor and external factors as it would apply to the people practice in the organisation.
• Financial Acumen - Knowledge and understanding of costing, budgeting and finance concepts and the understanding and application of related processes and procedures.
• Risk Management - Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk.
• Financial Planning - The ability to determine how a business will finance its strategic objectives
• Strategic Planning and Reporting - Knowledge and understanding of the process and thinking required to formulate objectives and priorities, and implement plans consistent with the long-term interests of the organisation in a global environment.

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Job ID: 34083
Location: Lagos
Job Sector: Banking

Job Details

• Customer Channels

Job Purpose

• Collaborates with Segments and the Branch network to execution of the Card strategy in the designated market(s) and execute against the defined strategy across the Credit and Prepaid product lines.

Key Responsibilities/Accountabilities
Profitability, revenue and sales generation:

• Implements the strategic business plan, including defining the product continuum, formulating annual budgets/periodic forecasting of sales and financial targets; converts the business plan into target sets and agree these target with PBB Head and RoA Card Accountable for delivering sustainable profit for the Card business.
• Collaborates with internal stakeholders (e.g., RoA Centre, Product team and Enabling Functions) to drive profitability of the Card business and manages costs of all the card products. For example, provides input into the annual marketing plan for Card in Nigeria and ensures the successful implementation thereof, manages downtime due to operational issues.
• Grows the Card base in line with the set goals and targets for the year.
• Responsible for regulating pricing, fees of Card products in line with Central Bank of Nigeria (CBN) policies to ensure compliance.
• Develops reviews and implements appropriate product pricing and philosophy.
• Drives campaigns to achieve acquisition, activation, retention and turnover targets.

Customer service and relationship management:

• Integrates work streams/projects to ensure stated objectives are achieved on schedule. This includes effectively managing both internal and external support areas.
• Develops strong partnerships with Credit Risk, Finance and Operations both centrally and in designated country.
• Manages relationships with the card associations (MasterCard, Visa), card processors (Inters witch, EPM Card personalisation vendors (Berkeley Cupola, Secure ID, Electronic Payment Plus, etc.) to ensure consistent and effective service delivery.
• Maintains solid relationships with internal and external business partners to ensure smooth delivery of stated business objectives and projects.
• Assists the in country teams to deliver and maintain a world class service experience by setting minimum standards and SLAs with each market for the Card portfolio.
• Implements programs in country to measure performance and quality of customer touch points to ensure optimal performance

Product management:

• Ensures Card life cycle management is seamless by coordinating all the internal support teams to align with the bank’s card strategy.
• Manages all Card products (Debit, Credit and Prepaid) to ensure compliance and smooth business operations (e.g. cards are issued to the right segments, requests channelled to the right product, adherence to validation processes before the cards are issued, etc.)
• Provides the best suited Card products based on customer needs by improving current services and rolling out new card products in collaboration with the Product team through product launches, product design and modification.
• Grows the card base (e.g., increase number of card users, ensures usage) in line with the set goals and targets for the year (e.g. number of people to be carded, number of active users and number of transactions).
• Monitors efficiency of the Card service providers and to ensure efficiency and cost optimisation.
• Oversee training of internal staff/stakeholders, and customers on card usage, functions, security, product knowledge, etc.

People Management:

• Defines the Cards portfolio staffing / capacity requirements and make recommendations for reporting structures for approval by Head, Channel.
• Responsible for inspiring, motivating, leading and managing the team.
• Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
• Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.

Preferred Qualification and Experience

• First Degree

Knowledge/Technical Skills/Expertise:

• Product Development-Previous general banking experience of which 4-5 years should have been in a leadership role in product management.3-4 previous experience in research and development; strategy formulation. 3-4 years execution and banking experience in segment, product or portfolio management roles with Income Statement and Balance Sheet management experience, as well as influencing key business stakeholder and managing teams
• Generating Ideas-The greater the number of alternative ideas or solutions generated, the greater the probability of finding a good solution. This competency is about how fluent an individual is at generating ideas, the number of ideas they generate and how confident they are in their ability to generate unusual ideas or favor radical solutions. This is further enhanced by the extent to which an individual enjoys the creative process
•  Making Decisions-This competency is about the pace at which individuals are prepared to make decisions, as well as their willingness to take responsibility for their decisions. It also deals with the extent to which individuals are definite about their views and opinions