Company Description

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.

Job Description

To own the end-to-end strategy, performance, and lifecycle of Liabilities and Transactional products at country level. Drive market positioning, growth acceleration, and profitability targets. Makes high-impact decisions on pricing, risk, investments, and partnerships while championing innovation and digital transformation.

Qualifications

Type of Qualification: First Degree

Industry: Banking & Financial Institutions

Experience Required

8-10 years

Core Competencies

1. Strategic Ownership, Execution & Delivery

Owns the end-to-end Liabilities and Transactional Products strategy, driving portfolio growth, profitability, and market positioning. Ensures initiatives deliver measurable impact and align with ROE and balance sheet objectives.

2. Analytical & Insight-Driven and Data-Driven Decision Making

Leverages advanced analytics, pricing insights, and competitor intelligence to identify opportunities for deposit growth, margin optimization, and transactional revenue enhancement.

3. Leadership, Accountability & Prioritization in Dynamic Environments

Operates with autonomy and authority, taking full ownership of outcomes. Demonstrates agility in prioritising high-value initiatives and influencing cross-functional teams to deliver results.

4. Ability to Create Compelling Propositions and Customer-Centric Mindset

Designs innovative liability and transactional solutions that resonate with customer needs, embedding personalisation and digital-first experiences to enhance client satisfaction.

5. Commercial Acumen & Financial Stewardship

Deep understanding of deposit economics, pricing strategies, and profitability levers. Applies sound financial judgment to optimise margins, manage cost-to-income ratios, and grow the liabilities book sustainably.

6. Digital & Innovation Leadership

Champions digitisation of transactional banking and liabilities products, driving adoption of self-service channels and automation to improve efficiency and client experience.

7. Regulatory & Risk Governance

Influences governance forums and embeds proactive risk management into product strategy. Balances innovation with compliance, ensuring portfolio health and regulatory adherence.

8. Pricing Strategy & Margin Management

Expert in pricing governance and concession management, ensuring competitive positioning while safeguarding profitability and ROE.

Additional Information

Behavioural Competencies:

• Adopting Practical Approaches
• Examining Information
• Generating Ideas
• Meeting Timescales
• Seizing Opportunities
• Upholding Standards