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POSITION DESCRIPTION JOB TITLE Manager-Techno function Retail Liabilities-BSG GRADE AVP-I DEPARTMENT Business Solutions Group (BSG) LOCATION HO SUB-DEPARTMENT NA TYPE OF POSITION Full-time REPORTS TO National Manager-Business Solutions Group ROLE PURPOSE & OBJECTIVE Techno-functional Lead – Retail Liabilities will spearhead the conceptualization, design and implementation of end-to-end solutions by technology-enabled solutions for the bank’s liability-side products and services, including Current Accounts, Savings Accounts (CASA), Deposits, cash management services, Payments, and Digital Banking. This role ensures alignment between business objectives, customer requirements, and technology execution across the bank’s transaction banking portfolio. The role has to bridge the gap between business requirement and technology execution, working closely with business stakeholders, product owners, and technology teams to deliver innovative, customer-centric solutions aligned with regulatory and operational standards. Define the roadmap in collaboration with the Product Heads, Solution delivery Head & other relevant stake holders, considering strategic growth plans for the Business units at Bank and Technology blueprint of the organization to leverage synergies in digital solutions, devise and streamline processes, ensure adherence to the compliance and Risk management guidelines. Identify leveraging of business solutions/services/API’s being developed for one business that shall be deployed for other business units as well to avoid duplication efforts, cost implication and standardisation across the platforms of the Bank. Train the concerned Business/Product and IT teams on better process management and smoother synergies and project deliveries by learning from RCA of misses in BRD and other process hygiene KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Accountable for overseeing IT/Digital project deliveries for liabilities business lines/support and controls teams. Responsible for prioritization & facilitation of these projects in discussion with the stakeholders. Comprehensive Business Requirement Document (BRD) evaluation to review impact, Business Opportunity, Cost or Operational efficiency, Productivity, Customer experience. Responsible for reviewing BRD received from Liabilities and allied business team to ensure Cost benefit is assessed, Prioritization is sign-off by Business/Product Head, highlight repeat changes & efforts involved, highlight the coverage in relevant applications/systems, etc., Liaising with IT to ensure completeness of BRD and it acceptance. Tracking response from IT for estimated commercials and timeline to implement the project. Responsible for ensuring timeliness of projects and reducing time to markets for all the business lines in collaboration with all the Liabilities product teams, allied functions and technology teams. Responsible for ensuring the timeliness of projects for Liabilities and allied function in the bank. Build synergies between liabilities and allied business lines/Functions, leveraging on adoption of similar tech solutions to reduce cost & build efficiency. Central SPOC for all liabilities products/tech solutions at the bank. Support revenue growth for liability-side transaction banking products by enabling scalable and efficient digital solutions. Collaborate with business and product teams to develop tech capabilities that enhance the value proposition of CASA, deposits, and other banking offerings. Identify cost optimization opportunities through process digitization and automation across liability-side operations. Keep abreast with business team to understand the latest requirement for their business/functions and utilize the technology strategy of competitors & have a pulse on the latest trends in the Banking sector thus ensuring businesses have a competitive edge with no loss of revenue Assist Liabilities businesses with market research and competitive benchmarking to enhance customer success in the technology domain. Ensuring to conduct fair and independent Root Cause Analysis for areas where there may be BRD lapses/Delay in projects/Repeat change request etc., Customer (Both Internal & External) Analyze & map the customer journey to identify pain points & opportunities for improvement to enhance the overall customer experience & satisfaction. Work with liabilities business and support teams to conduct necessary market research. Act as a key enabler for internal customers (product, sales, and operations teams) by translating their needs into technical solutions. Collaborate with Business and IT to design and implement seamless onboarding and servicing journeys for external customers (corporates, MSMEs, institutions). Ensure customer-centric solutions for transaction flows including collections, payments, virtual accounts, and reconciliation tools. Train the internal customers – Business/Product and IT/Digital teams on RCA findings to ensure smoother deliveries. Internal Process Work with the Project approval Committee as well as from Risk, Compliance, CISO team, Finance, before rollout of products/solutions and ensure necessary signoffs and approvals. Support business and other functions by solutioning core liability-side processes including account opening, mandate management, payment integrations, and MIS reporting. Drive cross-functional collaboration with IT, Risk, Compliance, and Operations to ensure timely and compliant delivery of projects. Understand the regulatory requirements along with respective stakeholders to craft-out efficient and scalable solutions. Ensure business, requesting, controls units provide the use cases /test cases, first level of filtering and ensure minimal issues during rollout and maintain library of the same. Maintain library of enterprise diagram for each process. Lead review and sign off on functional specific documents (FSD) prepared by tech team. Monitor and review internal processes for project management and execution periodically and suggest improvements to enhance efficiency. Maintain documentation, track delivery milestones, and ensure adherence to SLAs and change control processes. Innovation & Learning Stay up to date with emerging technologies, regulatory developments, and market trends in transaction banking and liability management. Foster a culture of continuous improvement and innovation by introducing new tools (APIs, host-to-host, dashboards) to enhance service delivery. Promote learning and knowledge sharing across BSG, business, and technology teams. Show more Show less
