Senior Portfolio Manager

Purpose:

To drive the design, implementation, enablement, scaling, entrenchment, commercialization and execution of the client segment value proposition/s and life journeys in the country in collaboration with other Segments, Client Solutions, Digital- & e-Commerce, Engineering, and country stakeholders through the client engagement platforms.

Duties and responsibilities:

People:

• Identify current and potential country employee skill requirements in the Product environment in consultation with the PBB Human Capital Business Partner.
• Ensure alignment to the People and Culture standards with regards to all employee-related matters.
• Provide input into talent strategy developed by People and Culture.
• Enable integrated ways of working and collaboration across the value chain to deliver for the client.
• Set the example and lead the team in line with the Groups leadership identity, core values and People Promise.
• Inspire the team to deliver on the Group's shared purpose and instilling a culture which enable the Group to evolve into a client led platform organisation.

Data:

• Make joint decisions on goals and objectives for multi-functional squads within Client Coverage teams in provinces.
• Adhere to various domain guidelines.

Finance Management:

• Monitor performance of the sub-segment through key performance measures such as client profitability, balance growth and cross-sell. Puts in place measures to address lagging key performance measures where appropriate.
• Accountable for the achievement of the sub-segment financial and non-financial metrics (e.g. client growth, profit growth, NPS, client experience, return on investment etc.) in line with CHNW SA requirements in close collaboration with country, other Segment Heads, Digital, eCommerce, Coverage and Client Solutions.
• Ensure that remedial actions are defined and implemented in collaboration with other Segment Heads, Coverage and Client Solutions.

Risk, Regulatory, Prudential & Compliance:

• Accountable for risk management and adheres to all governance standards for the continued sustainability of the sub-segment in country.
• Develop client credit risk appetite based on the defined framework, in line with overall sub-segment, SA and Risk.
• Develop appropriate recovery and resolution plans to protect the sub-segment from any untoward event.
• Ensure satisfactory audits and ensures that there are no repeat unsatisfactory findings as gauged by operational losses.
• Implement and monitor risk management in the sub-segment (e.g., operational risk, credit risk, ecosystems risk and partner risk management).
• Follow the parameters of the key trade off decisions at client level (i.e. risk appetite, pricing etc.).
• Adhere to business risk and compliance matters as it relates to the sub-segment (in line with R&C requirements).
• Manage risks including the requirements of new legislation.

Product:

• Identify, enable and drive the implementation of various tools and capabilities (e.g. NBA, Salesforce CRM etc.) that will ultimately drive improved sales/service efficiencies to be operationalised at centre and regional level.
• Deliver SBG and 3rd party products and services to the client segments through a client centric platform.
• Integrate internal delivery partners to ensure alignment.
• Drive multi-product client experiences to address life events, distributed through client engagement platforms.
• Partner with Coverage, Personalisation and Digital teams to implement these tools / capabilities and drive adoption with the Segment Enablement teams.
• Provide segment coordination to multiple Ecosystem opportunities as they arise in collaboration with Coverage, Business & Commercial and Wholesale.

Client

• Develop the sub-segment value propositions in alignment with the Group and country sub-segment objectives.
• Implement the Group sub-segment toolbox(es) and seeks approval where required.
• Ensure that the adoption of the CVPs are tracked and monitored and provides feedback to various domains and capabilities (including at client level).
• Determine the mix of solutions (product, services or value adds) to be applied in holistically meeting the clients’ needs in consultation with internal stakeholders (e.g., Client Solutions, Coverage, Digital etc.) and or through external partnerships and opportunities.
• Establish and implement the client segment exit (output) pricing framework for the segment and co-ordinates price-setting, plus the rewards programme and other value-added services requirements linked to client needs / life stages.
• Ensure that the CVPs are deployed into the market, including integrated marketing and promoting the offerings in collaboration with Group Marketing. Implements the client value proposition in country with approved customisations.
• Accountable for the end-to-end client experience strategies across all touch points that links to the client value proposition for the sub-segment.
• Manage a portfolio of CVPs for the selected client sub-segment (i.e. 2 or more CVPs that links to their life stage).
• Collaborate with Client Coverage teams for sensing (banker and client), solution roll out and ensures delivery of a world class client experience.
• Collaborate with Digital & eCommerce teams to drive a Digital1st agenda that meets client needs.
• Set the engagement metric strategy and creates measures that link to effective client engagement / experience (i.e. NPS, client effort scores etc.)
• Partner with Client Solutions and 3rd Party partners and ecosystems for the delivery of integrated multi-products and services for the client.
• Provide input into the overall segment value proposition(s) and related toolbox(es).
• Work closely with multi-disciplinary teams across the client value chain in order to solve for client needs.
• Stay abreast of market and competitive developments in order to provide input to innovative and value-added services to gain market share (both local and internationally).
• Review outputs from client sensing initiatives in order to improve understanding of client needs.
• Analyse internal inefficiencies and impact on the clients and staff members who are servicing the client (ultimately accountable for improving their experience as it relates to the promise of the value proposition).
• Drive and entrench a consistent client experience through all engagement platforms.
• Maintain alignment with other segment heads in order to ensure client value proposition delivery and reduction of duplication across segments.

Education and experience:

Bachelor of Commerce/Economics

8-10 years experience in Consumer & High Net Worth clients:

• Experience in managing an income statement, balance sheet, pricing strategies, risk management, people management, leading / developing teams and motivating people would be beneficial.
• Experience in developing, designing and enabling segment value propositions.
• Strong understanding of digital, open banking and platform integrations.
• Knowledge of behavioural economics and its practical application.

Experience Commercial Acumen

• The ability to apply expertise to facilitate the commercial details of an agreement, maximising the benefit so that both the internal client and external stakeholder are satisfied with the value.

Experience Economic Capital Management

• Understands the capital implications of the stated risk appetite, individual risk exposures, portfolio risk exposures, and determines capital requirements on a risk adjusted basis.