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Primary Location: Malaysia,Wilayah Persekutuan,Kuala Lumpur
Education: Bachelor's Degree
Job Function: Product Management
Shift: Day Job
Employee Status: Regular
Travel Time: No
Job ID: 18061591
The Head of Retail Bank has responsibility for leading the overall delivery and growth of Retail Banking business including Wealth Management, Insurance, Mortgage and Segment Management. This includes establishing and communicating a clear strategy, delivering client and business growth, improving operating efficiency through digitization and delivering business profitability and return targets.
The Retail Bank growth strategy development and execution, business leadership and performance management. Strategic pillars including:
Client segment value and service propositions
Client banking and investment product needs analysis, development and/or sourcing
Sales and distribution channel management (for banking, wealth management and mortgage products)
Client relationship and service management model
Compensation and remuneration models
Client marketing and communication
Overall Retail Bank Business P&L management and delivery of target profitability and returns for key product categories including investments, insurance, mortgages and deposits
Improving the Retail Bank business operating efficiency through revenue growth, end-to-end business process digitization and expense management
The delivery of target client and client holdings growth through both digitally and data analytics enabled new-to-bank client acquisition and existing client relationship deepening
The delivery of a differentiated and remarkable client service experience
Leveraging data and customer analytics to generate differentiated and personalized offers and service propositions
Fostering innovation and a Forward Compatible culture and workplace
Demonstrating the importance of understanding and managing all Regulatory requirements (including AML, Sales Suitability and Conduct) and risks associated with the Retail Bank business
Being an inspiring and motivational leader focused on developing talent and high performing teams
Serve as an active and influential member of the Consumer Bank Management Committee
P&L and Balance Sheet:
Responsibility for the delivery of the Retail Bank business (and associated products) P&L targets through active management of the key drivers of Revenue and Expenses including client growth, relationship deepening, product pricing and margin management, headcount management, distribution strategy, unit cost management and business simplification and digitization
Responsibility for delivering Balance Sheet growth targets and improving Balance Sheet return including Return on Assets (RoA) and Return on Tangible Common Equity (RoTCE) through actions including client and client footings growth, margin management and a good understanding of the drivers of product Capital requirements and opportunities to optimize
Deliver on the Wealth Management growth ambition of the Retail Bank business through the innovation, digitization and delivery of products and services that meet the needs of our target clients' segments and draw on Citi's ability to differentiate its offering through its access to international insights and investment opportunities
Substantially improve the operating efficiency, RoA and RoTCE of the Retail Bank business and product offerings through business simplification and digitization
Business and Risk Management:
Execute the business plan and deliver on key business driver targets
Instill a strong customer-centric culture and ethical conduct
Manage operational risk and ensure appropriate controls and procedures are in place
Ensure compliance with regulatory standards and heightened expectations
Embed a strong customer service culture
Motivate the team through strong leadership
Build a high-performing team by leading and coaching direct reports to be able to achieve the business objectives
Ensure the appropriate skills and experience is developed within the business to promote career development and growth
Promote a positive and committed team environment to underpin strong employee engagement
10+ years of work experience in senior management roles preferred
Strong knowledge of financial products and services and financial markets
Significant experience in Retail Wealth Management
Track record in delivering results and recognized for strong execution skills
Strong interpersonal and communication skills necessary for interaction with business leaders and teams across all levels of the organization.
Ability to translate business strategy to detailed processes and high attention to details.
Ability to balance and resolve multiple and quite often conflicting objectives.
Strong and demonstrated leadership skills with the ability to work with and influence a diverse and senior team of business leaders
Internal Number: 4651580
About Citibank Berhad
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