Digital Daily Banking & CASA Growth SME
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Key skills for this role
About the Role
TAWANTECH seeks a Digital Daily Banking & CASA Growth SME to lead governance, customer segmentation, account opening transformation, digital channel enhancement, loyalty program, bancassurance, and capability building for a bank.
Key Skills for This Role
Responsibilities
- Coordinate and lead cross functional working groups (CX, Digital, IT, Operations, Marketing, Retail, MIS, Compliance, HR, Finance)
- Define individual and team wide KPIs; own governance calendar including daily/weekly syncs and SteerCo cadence
- Manage escalation paths, risk registers, and issue resolution across all workstreams
- Build and maintain analytical dashboard tracking daily logins, transaction frequency, CASA balance per customer, and engagement metrics
- Analyse financial behaviours, balances, product usage, and transaction patterns of salaried and non salaried segments
- Benchmark daily banking propositions, features, and incentives at peer KSA banks
- Design differentiated propositions for salaried, non salaried, Gold, and Diamond tiers
- Conduct and synthesise customer interviews and focus groups to validate proposition attractiveness
- Lead cost benefit analysis of proposed benefits for financial viability and strategic alignment
- Map current account opening journey; identify pain points, drop offs, manual handoffs, and delays
- Redesign streamlined digital first journey including transition from youth app to full retail banking
- Oversee UX/UI build and IT requirements definition; govern end to end IT execution
Requirements
- Expertise in digital banking, customer segmentation, and program management
- Experience in account opening transformation and digital channel enhancement
- Knowledge of loyalty program design and bancassurance
- Strong analytical and data driven decision making skills
- Excellent stakeholder management and communication skills
Full Job Posting
Governance & Programme Management
- Coordinate and lead the cross functional working group (CX, Digital, IT, Operations, Marketing, Retail, MIS, Compliance, HR, Finance).
- Define individual and team wide KPIs; own the governance calendar including daily/weekly core team syncs and SteerCo cadence.
- Manage escalation paths, risk registers, and issue resolution across all workstreams.
- Build and maintain an analytical dashboard tracking daily logins, transaction frequency, CASA balance per customer, and customer engagement metrics.
Customer Segmentation & Value Proposition
- Analyse financial behaviours, balances, product usage, and transaction patterns of salaried and non salaried segments.
- Benchmark daily banking propositions, features, and incentives at peer KSA banks.
- Design differentiated propositions for salaried, non salaried, Gold, and Diamond tiers.
- Conduct and synthesise customer interviews and focus groups to validate proposition attractiveness.
- Lead cost benefit analysis of proposed benefits for financial viability and strategic alignment.
Account Opening Transformation
- Map the current account opening journey; identify pain points, drop offs, manual handoffs, and delays.
- Benchmark peer KSA account opening best practices and digital onboarding standards.
- Redesign a streamlined, digital first journey—including the transition from the Verse youth mobile app to full retail banking.
- Oversee UX/UI build and IT requirements definition; govern end to end IT execution.
- Lead the pilot, measure adoption and turnaround times, and iterate before full rollout.
Digital Channel Enhancement
- Map digital banking customer journeys across mobile and web platforms.
- Identify and document UX/UI discrepancies, friction points, and missing daily banking features.
- Prioritise improvement opportunities by customer impact, implementation effort, and strategic importance.
- Develop detailed specifications for prioritised initiatives and conduct handoff sessions to mobile and web delivery teams.
Loyalty Programme
- Analyse customer login frequency, transaction types, volumes, and CASA balances to identify rewardable behaviours.
- Benchmark loyalty programme structures (points, cashback, tiered benefits) at peer banks.
- Design the rewards programme—defining earning/redemption mechanics, benefit tiers, and integration across the BAB ecosystem.
- Integrate the loyalty system with the Credit Card loyalty platform.
- Oversee pilot rollout; monitor adoption rates and refine based on feedback.
Bancassurance
- Define bancassurance objectives and align on the partnership/distribution model (exclusive vs. non exclusive).
- Conduct market analysis and financial feasibility/ROI modelling.
- Lead partner identification, commercial negotiation, and agreement finalization.
- Manage SAMA regulatory approval process end to end.
- Oversee API and system integration for pre sales, sales, and post sales journeys.
- Ensure channel and staff readiness including training and regulatory certification for sales staff.
Capability Building & Communication
- Design and deliver training programs for branch, telesales, contact centre, and digital teams on new propositions, processes, and compliance requirements.
- Develop communication guidelines, sales scripts, and internal engagement materials.
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