The role holder is a member of the Senior Distribution team reporting into the Head of RBWM Distribution, MYH. The role, operating in a highly competitive, complex, regulatory, global environment, will lead the branch network team in Klang Valley which is a critical role to the success of RBWM overall as it represents half of the RBWM TOI and the biggest share of our Premier customer base. The Network is also expected to be a leader for Malaysia through this transformational change journey over the next 3 years to ensure MYH RBWM achieves their scale aspirations.
The role will need to deliver the Network strategy, being accountable for the implementation of face to face delivery of the RBWM plan including overall structure, sales goals, P&L performance and leads/sales prospect management. This role is highly critical to the overall Malaysia country strategy as it delivers and houses 2/3 of our Premier customer base where we have #1 market share.
Transformation of our distribution channels as well as execution of our Scale Strategy and Country Strategic Plans are key deliverables of this role.
Oversee the Customer Journey primarily working in close collaboration with the Proposition and Digital teams.
Ensure close connection between market trends/client needs and ultimate product/channel delivery and business strategy, driving projects in response to market changes and opportunities and in line with HSBC Group strategy.
Manage content used by staff in delivering both acquisition and customer experience value added sales and advisory.
Ensure that the local strategy is consistent with Global strategy and leverages / develops regional synergies.
Originate and support initiatives to generate income, contain costs and mitigate /reduce operational losses. Eliminate 'non value adding' activities to ensure focus on business priorities is not deflected or diluted. Direct the migration of low value, high volume activities to direct
Deliver maximum ‘profit’ contribution from all business activities. This will be achieved by deploying product, service & channel propositions aligned with segmentation, developing selling skills & exploiting appropriate IT systems
Deliver new income opportunities through creative application of delivery channels & the deployment of competitively attractive customer propositions
Deliver to the organisation’s change management capabilities to ensure that the full benefits of change initiatives are realised
Originating & supporting initiatives to generate income, contain costs & bad debts, mitigate /reduce operational risk/losses & eliminate value destroying activities / waste
Responsible for developing a coherent strategy for both RBWM HBMY and Amanah HBMS in providing Network Support as well as driving the implementation of activities for both entities to achieve the operating plan in Malaysia.
Minimum of twelve years proven and progressive branch banking and/or commercial lending experience or equivalent, including a minimum of six years proven and progressive management experience or equivalent.
Strong leadership, managerial, strategic planning (including financial planning and management), organizational, decision-making, problem-solving, communications, analytical, interpersonal, motivational, negotiation, project management, sales and team-building skills. A thorough understanding of a multi-channel business model is essential.
Bachelor’s degree in business, finance, related field or equivalent experience.
Professional qualifications as appropriate to market
Strong marketing, sales, management, planning, financial, leadership, motivational, project management and communications skills.
Thorough knowledge of the lending and credit approval process, pertinent regulations impacting retail banking activities and delivery systems and channels, including market potential as well as the regulatory framework are required.
Strong business acumen and ability to continually make trade-off decisions and build consensus.
Strong ability to use numerical data to develop tactical plans within the broad context of strategic plans and change them as warranted by results.
Sound understanding of the Company’s customer segments, products offered and the competitive market as well as the capability to market and sell to those segments are key
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Issued by HSBC Bank Malaysia Berhad.