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Head of Cards and Unsecured Lending (Digital Bank)

Date: 04-Feb-2021

Location: Singapore, Singapore

Company: Singtel Group

We are living in exciting times. Technology is reshaping how we live and we want to use it redefine how financial services are offered, which is why Singtel and Grab are coming together. Singtel is Asia’s leading communications group connecting millions of consumers and enterprises to essential digital services while Grab is the leading technology company in Southeast Asia offering everyday services to consumers. Together, we have big dreams to unlock and financial inclusion for people in our region is just one.  We want to build a digital bank with the right foundation - using data, technology and trust to solve problems and serve customers.

Get to know the Role:
•    Develop and/or update Digital Banking strategies on a periodic cadence, including identifying and prioritising major cross-functional initiatives by synthesizing:
o    Internal business performance and competencies.
o    External trends (market, customer, competitor, regulatory, technological etc.).
•    Provide inputs and advise the management team on key issues (e.g. strategic initiatives, business unit level plans, and major investments) based on clear issue framing, systems-level thinking and rigorous analyses.
•    Responsible for the business P&L.
•    Identify talent and build the best team.
•    Bridge business opportunities with product development via a keen grasp of the business imperatives and clear understanding of the possibilities and / or limitations of technology and regulatory framework.
•    Align company organisational structure to achieve strategic objectives including identification of internal capabilities to be developed or strengthened.
•    Execute the strategic planning rhythm to ensure follow-through of the functional deliverables via discussions, updates and action-tracking.
•    Communicate the Digital Bank’s vision to stakeholders and support translation into operational reality via various channels.
•    Influence a high-performance company culture by challenging critical business assumptions and encouraging cross-functional collaboration.
•    Build strategy to loans book growth.
•    Drive acquisition, activation and usage, retention, cross sell and up-sell.
•    Work with risk in defining risk parameters and NCL targets.
•    Work with operations/tech on end to end delivery of service.
•    Work with service to ensure best in class service delivery.
•    Responsible to drive NPS/customer satisfaction.
•    Ensure all products fulfil all regulatory requirements.
•    Talent - ability to hire and retain best talent available in the market.
•    Define system specifications and participate in UAT testing for new and enhanced products.
•    Drive digitalization initiatives to automate processes as part of the overall wealth capability roadmap.
•    Work closely with the various Products team, Sales & Distribution to explore new financing initiatives on product launches.
•    Perform periodic review, update and implementation of compliance control in accordance to Bank's standards.
•    Keep abreast with market updates to ensure product relevancy.

The must haves:
•    A degree with good honours from a top tier university in any discipline.
•    Min 18 years of banking experience in the areas of credit, frontline with good knowledge of retail wealth products & financing.
•    Sound knowledge on Bank's lending requirements, credit documentation & processes, credit monitoring rigor and system-related requirements regarding loans, collateral management and custodian. 
•    Ability to construct and deliver clear presentations to senior company executives.
•    Well-developed communication skills to interact with broad ranges of audiences.
•    Ability to look beyond individual issues to identify broader themes with wider-reaching impact.
•    Experience in analysing and quantifying complex strategic issues tied to long term business growth.
•    Superb presentation and communication skills.
•    Experience in project managing complex, cross-functional projects.
•    Creativity and comfortable with ‘blank sheet of paper’ assignments.
•    A natural leader who displays integrity, humility and responsibility, with excellent interpersonal skills.
•    Ability to empathise and collaborate with stakeholders across functions and at all levels of experience.
•    A self-starter and independent learner who takes the initiative to challenge the status quo. 
•    A big-picture thinker who is detail-oriented.
•    Strong interpersonal skills with an ability to effectively network within the industry and the overall business.
•    Ambitious, self-driven and highly motivated individual who can work well in a startup VUCA (Volatile, Uncertain, Complex, Ambiguous) environment. Should have a deep desire to excel and develop a career in a fast growing tech company. Should have demonstrated integrity and respect in the performance of their duties.