Job Purpose
Own the end-to-end management and performance of assigned customer segments, driving deposit growth, wealth & bancassurance penetration, and overall customer value.
This role acts as the segment business owner, responsible for translating strategy into execution, orchestrating cross-functional teams, and delivering measurable revenue and balance sheet impact.
Key Responsibilities
Planning & Segment Strategy
- Support the Head of Deposit, Wealth & Segments in defining segment value propositions
- Translate strategic priorities into clear segment initiatives, KPIs, and execution roadmaps across products, channels, and partners
- Continuously refine segment positioning based on market trends and customer insights
Segment Ecosystem Growth
- Partner with external players (Wealth, Insurance, lifestyle ecosystem) to:
- Drive customer acquisition and revenue contribution
- Develop joint campaigns and bundled offerings
- Generate fee income and commission streams
- Track and manage partner performance (conversion, revenue, engagement quality)
- Identify and develop new partnership opportunities to unlock incremental segment value
- Support initiatives to increase product holding and customer value across segments and branches
Segment Performance Management:
- Drive targetted segment KPIs (as assigned) including but not limited to: Customer acquisition, activation & retention , Deposit balances & CASA mix , Wealth AUM growth , Bancassurance penetration & revenue
- Monitor performance vs. targets; proactively identify any gaps & risks , growth opportunities
- Lead monthly performance reviews and executive reporting with clear action plans
- Leverage data and analytics to understand customer behavior and lifecycle needs , Identify cross-sell / upsell opportunities (especially Wealth & Banca)
- Drive improvements in: Customer engagement , retention , Wallet share
Sales & Distribution Enablement
- Partner with RM teams and digital channels to:
- Effectively roll out segment initiatives
- Drive sales focus on priority products (CASA, Wealth, Bancassurance)
- Support incentive schemes aligned with segment objectives
- Improve frontline productivity and conversion through better targeting and tools
Governance & Stakeholder Management
- Coordinate across Product, marketing , Risk, Compliance Finance, Operations and IT to ensure smooth and timely execution
- Support governance processes including:
- Business case approvals
- Product/program reviews
- Post-implementation evaluations
- Ensure all segment initiatives comply with internal policies and regulatory requirements
Job Requirements:
Banking / Finance / Business degree and equivalent functional experience
Minumum 5 years experience in retail banking, digital banking, wealth, insurance or segment management
Technical/Functional skills
- Strong track record in driving revenue and commercial outcomes
- Experience working with external partners / ecosystems
- Solid understanding of customer lifecycle & personalization strategies
- Data-driven mindset with ability to translate insights into actions
- Strong stakeholder management and execution capability
Personal skills (Soft Competencies [Core/Leadership])
- Multi-task handling skill
- Communication skill
- Time management skill
- Motivated and energetic
- Strong written and verbal critical reasoning
- Result oriented
- Able to focus attention on detail
