Digital & Product Head, Personal & Private Banking, Africa Regions

Job description

To lead the integrated digital and product strategy for Personal and Private Banking Africa Regions countries, delivering client-centric solutions that drive growth, improve customer experience and enable seamless omni-channel engagement. Accountable for the full product lifecycle, ensuring scalable delivery, operational resilience and compliance with regulatory and risk requirements. Key Responsibilities: Define and execute a unified digital and product strategy that aligns client value propositions, headline earnings, growth and digital transformation objectives across Africa Regions countries. Translate segment strategies into scalable product and digital solutions, ensuring clear linkage between customer needs, commercial outcomes and market competitiveness. Accountable for the performance of product lines across the three time horizons (budget, horizon 2 and horizon 3) per geography. Responsible for resource (people, time, investment spend, capital) allocation in conjunction with the Head of Technology AR, PPB Head per country and the Head of AR to enable product, digital and segment plans to deliver segment and business outcomes across the 3 horizons. Accountable for the product economics of each product portfolio and the setting and managing of risk appetite with the Head of Credit AR. Accountable for the product management, product economics and solutioning per product portfolio. Design and deliver seamless, intuitive and personalised end-to-end client journeys across mobile, web, branch, voice and relationship-managed channels, improving accessibility and engagement. Drive omni-channel integration, ensuring consistent client experiences and smooth transitions between channels, reducing friction and improving overall satisfaction. Achieve measurable improvements in client experience metrics, including NPS, digital adoption, turnaround times and reduction in complaints and abandonment. Lead the full product lifecycle (where applicable with support from the Product Solutioning Domain Head) from ideation through development, launch, optimisation and decommissioning, ensuring relevance, performance and sustainability of offerings. Accelerate product and digital delivery through cross-functional agile squads, integrating business, technology, risk and operations to improve speed-to-market and execution quality. Modernise product and digital architecture to enable reusable capabilities, scalable platforms and efficient integration across markets and channels. Oversee day-to-day performance and stability of digital channels, co-owning system resilience and prioritising critical fixes in partnership with technology teams. Ensure robust risk, regulatory and compliance adherence across all products and digital solutions, embedding controls from design through deployment. Type of Qualification: Post Graduate Degree Field of Study: Business Commerce, Finance and Accounting Experience Required Digital & eCommerce, CHNW Personal and Private Banking More than 10 years Significant experience in the personal and private banking segment. Significant experience in understanding integration of digital and eCommerce sales growth around products, solutions and go-to market plans. Extensive knowledge and experience in development, design and enablement of Product and Digital and eCommerce value propositions across multiple markets, specifically Africa Regions. Experience in product management and banking product economics and portfolio management. Behavioural Competencies: Conveying Self-Confidence Developing Strategies Embracing Change Empowering Individuals Exploring Possibilities Making Decisions Producing Output Pursuing Goals Seizing Opportunities Showing Composure Upholding Standards Valuing Individuals Technical Competencies: Business Development Financial Acumen Risk Reporting Risk Response Strategy Risk/ Reward Thinking Strategic Planning and Reporting Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.