Job Description

1. Responsible for overall retail deposit strategy – including driving deposits and wealth growth, balancing ALCO balance sheet requirement as well as all product management, process and regulatory considerations. 
2. Optimize Net interest income from deposits by maximizing NIM, deposit AUM and customer acquisition & retention.
3. Create products strategies for individual and juristic deposits, digital and non-digital savings and fixed deposits.
4. Develop business plans, product strategy including product design, customer segmentation and client portfolio management to meet business goals.
5. 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.
6. Create product development on both Deposit and debit Card product on all channels ie. Branch, digital channel, partnerships
7. 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.
8. Monitor and drive key business indicator ie. CASA ratio/COD/NIM/NII/NOII and key financial indicators according to business direction.
9. Design customer and branch campaigns to optimize fund flows and maximize AUM an NII. Design customer communication and liaise with branches proactively
10. Monitor performance on daily/weekly/monthly on all channels. Design strategy to address gaps 
11. 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.
12. Coordinate with external stakeholders and explore external partners to diversify business for the future
13. Develop and maintain best in class customer journey on all contact points - Branch and digital channel
14. Ensure all product, process are complied with relevant regulations especially AMLO, BOT; address fraud and mule account issues proactively
15. Assure all product, process follow internal’ governance. Initiate process improvement to continuously improve.
16. Monitor and control sales process as well as proper document been used especially branch channel. 
17. Control and manage Budget, expenses of product to ensure its effectiveness and efficiency.
18. Assure interest related document are updated and correct on all communications/announcement. Including parameter setting that impact on both branch and digital interest rate.
19. Create all committee documents for various recurring committees, as well for new product/process approval and launches
20. Other products/service management; intiate/redesigning products or service to correspond with product’s strategy as well as match with industry’s behavior trend eg. cardless withdrawal, wallet-linked account
21. Branch/Digital process improvement : paperless on factsheet, T&C, product catalog via QR.