Job Purpose:

Channel Liabilities is responsible for driving the growth, profitability, and strategic expansion of liabilities business through channel partnerships across the assigned region. The role involves developing distribution strategies, managing key partnerships, strengthening channel productivity, and ensuring delivery of CASA and other liability targets.

Key Responsibilities:

Business Growth & Strategy:

- Own and deliver regional liabilities targets across CASA, term deposits, and other liability products.

- Develop and execute channel-led acquisition strategies aligned with overall bank objectives.

- Identify new business opportunities and expand the channel ecosystem within the region.

- Drive penetration in key segments including retail, SME, and emerging customer categories.

Channel Management & Development:

- Lead and manage a network of channel partners including DSAs, aggregators, fintech partnerships, and strategic alliances.

- Build, onboard, and scale high-performing channel partners to drive sustainable business growth.

- Monitor channel productivity, profitability, and quality metrics across the region.

- Ensure strong governance and compliance across all partner engagements.

Team Leadership:

- Lead and mentor regional channel sales teams, fostering a high-performance culture.

- Set clear performance objectives, track KPIs, and drive accountability across the team.

- Build capability through training, coaching, and development initiatives.

- Collaborate with product, operations, and risk teams to enhance delivery effectiveness.

Stakeholder Management:

- Collaborate with internal stakeholders including product, marketing, analytics, operations, and compliance teams.

- Act as a key interface between central teams and regional execution units.

- Build strong relationships with external partners to ensure long-term engagement.

Risk, Compliance & Quality:

- Ensure adherence to regulatory guidelines and internal policies across all channel activities.

- Monitor portfolio quality and implement corrective actions to mitigate risks.

- Strengthen controls to ensure ethical sales practices and customer-centric delivery.

Performance Management & Reporting:

- Track regional KPIs including acquisition volumes, CASA growth, activation rates, and cost efficiency.

- Drive data-led decision-making using insights and analytics.

- Provide regular performance updates to senior leadership with actionable insights.

Qualifications & Experience:

- Graduate/Postgraduate (MBA preferred) in Finance, Business Administration, or related field.

- 12-18 years of experience in banking/financial services with a strong focus on liabilities and channel management.

- Proven track record in managing large-scale regional businesses and channel networks.

- Strong understanding of CASA products, deposit mobilization, and distribution strategies.