Existing Customer Management Commercial Manager – Cards

Join us as an Existing Customer Management Commercial Manager – Cards, where you will be responsible for defining and optimising portfolio level commercial strategies, and leading ongoing portfolio performance tracking to ensure all pricing and retention strategies adhere to the appropriate governance processes. In this role you will work closely with stakeholders across the business to prioritise portfolio impacting changes, as well as define, manage, and optimise customer strategies to improve financial performance, portfolio profitability, and customer outcomes.

• Great commercial and financial acumen, ideally with exposure to P&L management, revenue optimisation, or margin performance within a product or portfolio.
• Strategic thinking, with a proven ability to develop, assess, and adapt customer and/or product strategies in a dynamic environment.
• Customer centric mindset, embedding customer outcomes and experience considerations into commercial decision making.
• Leadership and people management skills, with experience influencing, motivating, and developing others.
• Sound understanding of policy and regulation, with the ability to operate compliantly within a regulated financial services environment.
• Excellent influencing and stakeholder management capabilities, enabling effective collaboration across senior internal and external stakeholders.
• Highly developed analytical and problem solving skills, using insight and data to drive performance and decision making.
• Great execution and delivery focus, with a prior experience of driving activities from strategy through to measurable results.
• Market and regulatory awareness, staying informed of industry trends, competitive dynamics, and regulatory developments impacting acquisition.

• Experience in a lending or wider financial services product environment, with an understanding of product economics and customer lifecycle management.
• Experience in financial services or a regulated environment, with an understanding of regulatory expectations and governance requirements.

To drive the success of the commercial banking segment through market analysis, product development, sales and relationship management, risk management, and performance.

• Execution of market research to understand the competitive landscape, identify market trends and opportunities, and develop strategies to capture market share within the commercial banking segment, considering industry, size, and growth stage.
• Development of appropriate pricing models for different products and services, ensuring profitability while remaining competitive in the market.
• Development, implementation and management of innovative financial solutions, services and products aligned to the banks objectives and tailored to the commercial banking segment, including loan products, cash management solutions, and trade finance services.
• Identification and forging of strategic partnerships with other financial institutions, technology providers, or industry experts to expand product offerings and reach new client segments.
• Management of key stakeholder relationships within target companies to understand their needs and recommend appropriate solutions.
• Development and implementation of sales strategies including the establishment of sales targets, identification of sales channels to reach potential clients and objectives for loan terms to support the negotiation process and development of service agreements.
• Monitoring of key leading and lagging metrics such as new client acquisition, loan volume, revenue generation and market share to assess the performance of the commercial banking segment. Funnel and journey optimisation are key to delivery of service and commercial performance.

• Advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions and business divisions.
• Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes.
• Demonstrate leadership behaviours that create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are:
  Listen and be authentic, Energise and inspire, Align across the enterprise, and Develop others.
• For an individual contributor, lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments, and identify new directions for assignments and/or projects.
• Consult on complex issues; provide advice to People Leaders to support the resolution of escalated issues.
• Identify ways to mitigate risk and develop new…