Principle Accountabilities


Develop and execute a comprehensive multi-channel strategy, ensuring alignment with the group's innovation agenda.
Drive the expansion and optimization of digital, physical, and partner-led distribution channels.
Leverage data and market insights to enhance customer engagement and revenue generation.
Lead and oversee a team of Scrum Masters and Product Owners to ensure effective Agile execution.
Drive the development and iteration of business channel solutions using Agile methodologies.
Foster a culture of continuous improvement, experimentation, and rapid innovation.
Spearhead the digitization of business channels, working closely with IT and Product teams.
Integrate emerging technologies, such as AI, automation, and data analytics, to enhance channel efficiency.
Ensure seamless omnichannel experiences across digital platforms, mobile banking, and customer touchpoints.
Develop and implement strategies to maximize channel profitability and customer acquisition. 
Monitor and analyze channel performance, identifying opportunities for growth and efficiency.
Optimize the cost structure while ensuring scalability and sustainability of business channels.
Ensure seamless and consistent customer experiences across all business channels.
Utilize customer insights and data analytics to refine and improve engagement strategies.
Implement personalized and data-driven approaches to enhance customer retention and satisfaction.
Collaborate with internal teams, technology partners, and third-party vendors to optimize channel performance.
Establish and manage strategic partnerships that enhance distribution and service delivery.
Align business channel strategies with key stakeholders, including other business team in the group, credit, risk & compliance, technology and marketing.
Lead and develop a high-performing team, including scrum masters and product owners.
Foster a culture of innovation, collaboration, and agile execution.
Provide coaching, mentorship, and training to enhance team capabilities and drive performance


Key Competencies and Skills


Strong leadership, analytical, and strategic thinking skills.
Expertise in Agile methodologies, digital solutions, and product management.
Deep understanding of customer behavior, market trends, and data-driven decision-making.
Experience driving digital adoption, automation, and omnichannel strategies.


Minimum Qualifications, Knowledge and Experience

Experience, Academic & Professional Qualifications


Bachelor’s degree in Business, Marketing, IT, or a related field (Master’s degree preferred).
10+ years of experience in business channels, digital transformation, sales, or distribution management.
Strong background in agile execution, human centered design, with experience leading teams of Scrum Masters and Product Owners.
Proven expertise in digital banking, fintech, telecom, or e-commerce platforms.