Ref: HP048-1253

Job description / Role

Employment: Full Time

Head, Retail Analytics, UAE & AME

Business Title: Head, Retail Analytics, UAE and AME
Business Unit: Retail Banking
Location: UAE
Reports Directly to: Head, Retail Clients, UAE
Reports Matrix to: Regional Head, Retail Clients, AME

OBJECTIVE:
To support Retail Clients business in delivery of budgeted Revenue targets by institutionalizing segmentation and other analytics-led insights to manage and grow Retail Clients portfolio, drive end to end campaign management, and support Product and Segment teams with effective business analysis.

Key Roles and Responsibilities

Business Analytics - Client Insights led through statistical modelling/segmentation:
- Build and deploy Analytics assets/tools across client life-stage to grow and build a high return/Low risk retail clients portfolio
- Client segmentation by Data Clustering - Data Mining to identify the right variables for Segmentation
- Build and deploy propensity/predictive models for effective cross-sell - Cross-sell initiatives roll out based on next product propensity scores
- Ensure regular validation and relevance of segmentation/models and publish health check reports
- Timely and precise implementation of business models for increased revenues and deliver optimal client satisfaction
- Trend Analysis in Retail Client book/ KPIs and highlight risk and opportunities to business
- Develop a full suite of Marketing Triggers/Analytics tools for Country/Region
- Preparation of monthly Retail Clients Analytics packs; Highlight the key trends to management
- Client profiling: Product mapping, Need analysis and Psychographics
- Analyze and establish early predictors of performance for different channels of Business
- Comprehensive analysis of portfolio by product and portfolio sub-segments with a view to capitalizing on market opportunities while minimizing risks
- Work with Digital Head and Cross functional teams to deliver on Digital transformation initiatives with data led insights on the key drivers to drive digital growth in country
- Lead a culture of service through the effective implementation and embedding of the Client Charter and 'SCB Way'.
- Establish and address an agenda of top issues and opportunities to improve Retail Banking performance and growth, in both the short and longer-term
- Create a strategy and plan for Retail Banking to deliver their budget, consistent with global frameworks

Campaign Management:
- Design & implement campaigns to test hypothesis and generate insights
- Accountable for end to end management of campaign: Designing, Execution, Tracking
- Develop and agree with business on financial model for each campaign
- Liaise with business to develop client proposition and execution modalities
- Pre-post tracking of campaign for an agreed period
- Design segmentation and align campaign across customer and product life stage through customer channel of preference
- Effective governance on campaign and leads management enabled through regular governance forum and business performance reviews

Processes:
- Supervise all processes where a member of the function is the identified process owner
- Continuously improve the operational efficiency and effectiveness of processes
- Ensure effective management of operational risks within the function and compliance with applicable internal policies, and external laws and regulations
- Identify and remove blockages and ensure the team operates across segments/product/distribution and effectively with other parts of the Group.

Regional Responsibilities:
- Set-up of Analytics team/processes across key AME markets, replicating best practices from existing markets active on Analytics in AME
- Responsible for Propensity / Response / Look Alike Model Delivery across AME (Africa and Middle East)
- Build and sustain an effective engagement model between country Analytics teams, CoE Analytics and Group Analytics teams
- Ensure resource management and allocation of Regional resources at CoE for delivery of country Analytics and corresponding business agenda across AME
- Build and sustain a strong governance on Leads and Management across AME markets facilitated through monthly governance forums and periodic business performance reviews. Ensure top management is appraised periodically on progress on the Analytics agenda and highlight challenges/roadblocks.
- Responsible for delivery of revenue and business KPIs as agreed with country Retail Banking heads on the back of Analytics led initiatives
- Set-up and Operationalise the ARU agenda across all key markets in UAE, driving agreed retention KPIs with business heads. Ensure profitable customer retention by application of Attrition Gating model
- Standardise Campaign tracking, processes and reporting across AME markets enabling AME level performance reports and reviews for Country Business Heads and Regional Business Head

People and Talent:
- Champion and act as a role model of the Group's values and culture in the UAE/AME
- Build team capable of ensuring delivery of the business' short and longer-term objectives through:
- Coaching, guidance and management of team resources, Regional representatives from CoE and country Analytics Heads across all markets to ensure they deliver against the ambitious financial, non-financial and risk/control objectives.
- Identifying and addressing the top issues/opportunities for performance improvement across the team (both direct and indirect reports).
- Driving an environment of collaboration, both within Retail Banking and across the wider Group, to ensure issues are raised and blockages are resolved in a timely manner.
- Developing succession plans that identify gaps in bench-strength; subsequently implementing action plans to ensure ready-now talent is available.

Key External Stakeholders:
- System Vendors - on any service issues

Regulatory & Business conduct:
- Display exemplary conduct and live by the Group's Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Requirements

- Preferably a Post-graduate with a major or equivalent Statistics/Mathematics/Finance/Marketing, with experience in Finance/BIU/Analytics functions - all preferred
- Substantial experience in the financial services industry in particular with the required domain expertise
- Retail banking/customer experience
- Ability to manage in a geographically and culturally dispersed environment
- In-depth understanding of key business drivers
- Demonstrated people management skills and experience with a strong focus on building a robust control environment.
- Communication and presentation skills in order to influence senior stakeholders outside the incumbent's sphere of control.

About the Company

Standard Chartered Bank started in 1958 in UAE with its first branch in Sharjah. The Group’s business gradually increased in Dubai with the opening of several branches and today, Dubai is the administrative hub of the Middle East and South Asia Region. In its 43rd year, the Bank enjoys the position of having the most extensive branch network among foreign international banks in UAE with 10 branches emirate-wide.

Standard Chartered is an international bank, focused on the established and emerging markets of Asia, Africa, the Middle East and Latin America with an extensive global network of more than 600 offices in over 50 countries. The three principal business groups are Global Markets, Personal Banking and Corporate and Institutional Banking.

In UAE, we are one of the leading banks, offering an extensive range of products and services for personal customers, local companies, multinational corporate and financial institutions.

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