Affluent Proposition Lead-HO & Support-Branch Programme Team

Job description

Job Title: Affluent Propositions Lead Location: Goregaon, Mumbai Reporting To: Head of Affluent & Salaried Propositions Job Type: Full-time Role Summary: The Affluent Propositions Lead is responsible for developing, managing, and enhancing products and services targeted at affluent and high-net-worth (HNW) customers. This role involves designing a compelling value proposition, driving customer acquisition and engagement strategies, and ensuring alignment with the bank’s overall wealth management and retail banking objectives. Key Responsibilities: Strategic Proposition Development: • Develop and implement a competitive and differentiated affluent banking proposition. • Design exclusive banking benefits, personalized wealth management solutions, and premium customer experiences. • Work closely with stakeholders (e.g., product, marketing, and digital teams) to ensure seamless execution. Customer Experience & Engagement • Enhance the customer journey for affluent clients through superior service, digital solutions, and concierge offerings. • Identify customer needs through research and insights to develop tailored solutions. • Collaborate with relationship managers and wealth advisors to optimize service delivery. Product & Service Innovation • Drive innovation in banking products such as premium accounts, investment solutions, credit cards, and lending options tailored for affluent clients. • Leverage digital platforms and fintech partnerships to enhance customer experience. • Ensure regulatory compliance in all proposition designs and offerings. Sales & Marketing Collaboration • Work with sales teams to develop strategies for customer acquisition and retention. • Design and execute marketing campaigns targeting the affluent segment. • Conduct competitor analysis to ensure market-leading positioning. Performance Monitoring & Reporting • Track and report on key performance indicators (KPIs) related to affluent banking growth and customer engagement. • Use analytics to measure the effectiveness of propositions and recommend improvements. Key Qualifications & Experience • Bachelor's degree in Business, Finance, Marketing, or a related field; MBA is a plus. • 12-15 years of experience in wealth management, retail banking, or financial services, with a focus on the affluent customer segment. • Strong understanding of affluent customer needs, banking products, and wealth management solutions. • Experience in proposition development, product management, or customer experience design. Skills & Competencies • Strategic thinking with a customer-centric mindset. • Strong analytical and problem-solving skills. • Excellent communication, stakeholder management, and negotiation abilities. • Knowledge of digital banking and fintech trends in wealth management.