Lead - Assets Strategy

Ujjivan Small Finance Ba...
Department Icon Management/ Strategic Consulting
Posted: 7 months ago
10-15 years
Bengaluru
Management/ Strategic Consulting
work from office
Full Time
Posted: 7 months ago
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Job Description

REPORTS TO
National Manager-Strategy
REPORTING INTO
Manager-Assets Strategy
II. ROLE PURPOSE & OBJECTIVE
  • Support creation and periodically modification of bank''s medium to long-term strategy ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals.
  • To identify, plan, and support execute strategic initiatives that drive sustainable assets growth, profitability, risk alignment, productivity across channels etc. in alignment with organizational vision and regulatory requirements.
  • Work closely with business to ensure envisioned outcomes of the identified initiatives are achieved within desired timelines.
  • Work with leadership team to address the market dynamics, emerging trends and evolving customer needs.
  • Monitor and report on key performance indicators to measure the success of strategic initiatives
  • Focus on growth, diversification and achieving scale as the bank transitions from SFB to Universal Bank (if approved by the regulator).
III. SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
Assets Book size: 32000+ Cr.
Number of portfolio products: 20+
IV. KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
  • Support the annual strategic planning exercise across businesses and quarterly strategy reviews
  • Lead strategic planning for all asset classes (loans, advances, securitizations).
  • Design competitive pricing strategies for various assets products while maintaining profitability margins
  • Oversee the conduct of in-depth market research and competitive analysis to identify growth opportunities and potential threats.
  • Analyze industry trends, best practices and competitive landscape to guide strategic thinking and decisions.
  • Provide trusted advice and insight to the executive team on emerging market trends and policy developments, including how they could impact or be exploited.
  • Drive GTM plans for new asset products and portfolio expansions.
  • Formulate digital transformation and technology adoption strategies
  • Monitor key financial metrics (yield, NIM, ROA) and recommend corrective actions.
Customer (Both Internal & External)
  • Foster relationships with key stakeholders, including management and team members
  • Study customer segments and work with businesses to identify new products and services or recommend changes to current offerings
  • Present asset performance insights to the departmental heads and Executive Committees.
  • Design customer acquisition and retention strategies
  • Create customer experience enhancement initiatives
  • Formulate pricing strategies for asset products
  • Identify partnership opportunities with fintech companies
Internal Process
  • Management presentations on strategic initiatives and market developments
  • Collaborate extensively internally to ensure the Bank??s strategy is effectively structured and embedded so that teams and colleagues know how they contribute to the Bank??s overall objectives.
  • Establish governance frameworks for strategic initiatives, ensuring that all new initiatives are monitored for success and aligned with the bank??s strategic priorities.
  • Collaborate effectively with Finance team to ensure robust monitoring and reporting of the Bank??s progress against its objectives.
  • Develop performance management frameworks to monitor strategic initiatives across business verticals, ensuring timely and effective execution.
  • Provide feedback on required analysis to advance solution development and to support execution of strategic initiatives, digital growth and data-based decisions in day to day working of the bank
  • Analyze risks and complex issues to provide strategic guidance & efficient solutions.
  • Ensure timely submission of all regulatory reports with zero non-compliance instances
Innovation & Learning
  • Lead organizational transformation and change management initiatives
  • Promote a culture of innovation and data orientation across the bank by encouraging teams to develop creative solutions for business challenges.
  • Responsible for product research and driving innovations as a part of the product strategy in ensuring the company is ready to capture emerging and future consumer demands.
  • Providing and guiding team members to foster professional growth whilst promoting culture of accountability.
  • Build a culture of continuous learning within the strategy team and across the bank, ensuring that best practices are applied.
V. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
  • Essential: Master''s degree in Business Administration (MBA) from reputed institution with specialization in Strategy, Finance, or Banking
  • Preferred: Additional professional qualifications such as CFA, CA, or equivalent
  • Alternative: Master''s in Economics, Finance, or related field with demonstrated strategic experience
Experience Range (Years and Core Experience Type)
  • Minimum: 10-15 years of progressive experience in banking, financial services, or strategic consulting.
Certifications
  • Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous
Functional Skills
  • Expert at effectively pivoting between strategic development and tactical deployment
  • Digital Banking and Analytics
  • Project Management
  • Risk Management
  • P&L understanding
  • Exceptional listening, negotiation and conflict management skills
Behavioral Skills
  • Adaptability
  • Innovation & Problem-Solving
  • Customer-centric Mindset
  • Analytical Thinking
  • Forward thinking with the ability to engage others in casting a broader and focused vision
  • Flexible mindset & innovative thinker who is willing to challenge standard thinking with new ideas, approaches and solutions
  • Ability to motivate teams, lead complex projects
Competencies
  • Strategic Agility
  • Financial & Business Acumen
  • Risk Management
  • Excellent Communication & Presentation Skills
  • Ability to collaborate with various departments
  • Forward-Thinking Mindset
VI. KEY INTERACTIONS
INTERNAL
EXTERNAL
  • Bank-wide Committees on Products, Processes & Governance
  • All Vertical / Functional Heads
  • IT Project Teams
  • Functional Product Teams
  • Industry Forums (CII, IBA, SFB Associations etc.) / Consortiums
  • Consultants
  • Vertical Heads of Technology Vendors and Fintech Partners

Skills

ComplianceRisk ManagementProject ManagementMarket ResearchFintechCustomer AcquisitionChange ManagementStrategic PlanningCompetitive AnalysisConsultingManagementStrategic InitiativesCaStrategy

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