Product Lead - ATM
DBS Bank
Mumbai, Maharashtra, India
6d ago

Business Function

Digital revolutions are set to change the way we live, work and play. That’s why we’ve spared no effort in ensuring we are at the forefront of this new generation.

Our new digital banking initiative will focus on creating innovative products and services to integrate banking into our customers' digital lifestyle.

Job Purpose

  • To drive ATM channel P&L PAN India
  • Ensure ATM profitability by selecting strategic locations for placements
  • Review existing portfolio of ATMs and suggest relocation strategy for non-performing ATMs
  • Implementation of new revenue opportunities and lead generation capabilities for ATMs
  • Ensure all projects with respect to ATMs are completed with the defined timelines
  • Ensure all ATM are compliant with all the local as well as regional guidelines
  • Lead the on-going switch migration project and ensure seamless migration of ATMs without any customer impact
  • The position ensures : Complete and overarching view and ownership of the PAN India ATM channels and debit card projects

    Key Accountabilities on

    Accomplish all responsibilities in relation to :

  • Ensuring all ATM requirements are budgeted for and expenses are well within the defined budget
  • Implement fresh avenues for capturing leads through ATM channel and increase the productivity of the channel
  • Implement fresh revenue streams for ATMs to increase the overall profitability
  • Review competition best practices and implement the same to reduce ATM overheads
  • Liaise with internal and external stakeholders to ensure highest uptime for ATM as per regional standards
  • Adherence with Ops, control groups, technology
  • Ensure all ATMs are maintained as per the organization standards and record deviations
  • Act as Business Liaison with external stakeholders including RBI, IBA, UIDAI, NPCI
  • Job Duties & responsibilities

  • Engage and build cross sell opportunities of existing products through PAN India ATM channels.
  • Design customer journey while implementing new functionalities to increase ATM productivity
  • Developing and updating procedures, policies, controls, and monitoring plans for ATM business
  • Assist in the definition of project scope and objectives, involving all relevant stakeholders and ensuring technical feasibility for ATMs and Debit Cards
  • Business SPOC for Internal & External Audits and ensuring minimum satisfactory ratings
  • Campaign management : Ideate, create and run campaigns for driving ATM and Debit Card usage
  • Define business requirement and work with technology teams to launch offerings via liaison with Internal & External partners
  • Manage the P&L responsibility (including increasing revenue through transactions, exit strategy, reducing costs, increasing Offus fees etc.)
  • Conduct market analysis, feasibility studies and trend analysis to keep abreast of industry development and identify opportunities
  • Work with Marketing to develop and implement customer contact strategies and marketing tools to support acquisition, retention and cross sale activities
  • Monitor industry, market, competitor and regulatory trends to ensure that opportunities and risks are identified and appropriate plans are implemented
  • Required Experience

  • 15 Years + experience in managing 1000+ ATMs and Debit Card business
  • Experience in designing Customer Journeys for alternate channels
  • Proficiency in MS Excel / Power point
  • Education / Preferred Qualifications

  • MBA from a reputed institute preferred
  • Minimum requirement : Graduate degree
  • Core Competencies

  • Project Management
  • Vendor Management & good Relationship
  • Negotiation
  • Effective listening
  • Strong influencing and people management
  • Technically sound in managing end to end ATMs and Debit Cards
  • Stakeholder Management
  • Leadership skills in managing a team of skilled members
  • Communications Skills
  • Drive for results
  • Ability to work in an environment of changing requirements
  • Technical Competencies

  • Relevant experience in Banking products
  • Market and Competitive knowledge
  • Working knowledge of mobile apps would be added advantage
  • Work Relationship

  • Will be working across verticals LCS, GSMC, T&O and Customer service.
  • Will be reporting into the ATM Product Head
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