Digital Insights & Enablement Officer at Fidelity Bank Ghana

About The Job

Job Summary / Responsibilities:

• For new product development activities.
• Data analysts are responsible for analyzing data using statistical techniques.
• Implementing and maintaining databases, gathering data from primary and secondary sources.
• Identifying, analyzing and interpreting trends from the data.
• To drive continual review of product offerings to ensure profitability.
• To provide customer – competitors’ business intelligence for consistent marketplace advantage wherever the bank competes.
• To analyze and provide insights and recommendations on existing product offerings.
• Monitor market trends and customer needs, taking into consideration future technology/developments, competitor offerings, operational concerns, and changing regulations.
• Conduct regular product reviews to ensure competitive advantage, product differentiation and ensure mobile banking features meet customer requirements.
• Proactively identify customer/ market needs and develop new products/ services (or modify existing products/ services) to meet the identified needs.
• Ensure communication of value proposition, functionalities and capabilities of new Mobile banking products to internal and external customers to drive product awareness, uptake and revenue mobilization.
• Responsible for driving the sign-on, revenue, transactions count and volumes of the Mobile Financial Services platforms.
• Overseeing the identification & development of new digital products.
• Manage and evaluate all digital products for profitability and market viability across the Bank.
• Implement framework for Digital Product Performance Monitoring.
• Review regularly the portfolio of all Digital products against plan, target market needs for improvements and better result.
• Identify market opportunities – wherever the Bank is operating and proactively uncover customer needs in order to develop well differentiated products.
• Establish central database and repository of e-products (both existing and potential products) for the Bank.
• Work with Product development Unit to ensure that all new products are thoroughly and rigorously tested before launch.
• Ensure market research is carried out quarterly in order to provide the Bank with required consumer/market intelligence.
• Ensure training of direct reports and retail sales teams on the bank’s Digital products and services.
• Provide monthly insights into customer behavior which will lead to increased sign on and usage on digital platforms.
• Periodically analyze digital channel products data and make recommendations.
• Prepare management reports.
• Develop a financial dashboard to monitor the Digital sales usage and acquisition.
• Work with financial control to provide Daily and Monthly reports on Digital sales.
• Profitability Report & Product Research and for competitor analysis.
• Prepare Weekly and Monthly Reports to Track digital accounts to ensure 75% of zero balance account opened are funded.
• Develop a financial dashboard to monitor the Digital sales usage and acquisition.
• Determine weaknesses in performance and establish solutions to improve.

Periodic Responsibilities:

• Perform a quarterly industry survey to benchmark the Banks products in terms of Pricing and Benefits/Features.

Work Guide & References:

• Total Bank’s SOPs
• Credit Policy Guide
• Banking Act
• Regulatory bodies guidelines and directives.
• Abide by the bank’s ISMS (Information Security Management Systems) policies and procedures.
• Safeguard the bank’s information assets in accordance with its ISMS policies and procedures.

Specifications
Minimum Education: 

• A good first degree in any related discipline. Relevant Masters’ degree will be an advantage.                                                     

Formal Training: 

• A recognized professional qualification will be an added advantage.

Minimum Experience:                    

• At least 3 years in leadership position with responsibility in Customer Life Cycle Management.

Required Knowledge, Skills & Abilities:

• A strong understanding of customers' needs in order to develop products to meet those needs.
• Excellent customer relationship development/management.
• Creativity, strong interpersonal skills and excellent analytical abilities.
• Strong strategic orientation.
• Relevant work experience in a customer related function.
• Advance selling skills.
• Knowledge and understanding of Ghanaian Retail & Digital  market.
• Strong Products Knowledge.
• Environmental / Industry analysis.
• Must have good data management and analysis skills.
• Must have an eye for details.
• Experience in monitoring team performance results.
• Good knowledge of best practices in retail banking industry.
• Results driven
• Ability to think strategically and logically
• Has business acumen
• Good organizational and administrative skills
• Understands banking operations

Supervisory / Generic Skills:

• Leadership / Influencing
• Team building / Conflict management
• Organization & Co-ordination
• Data appreciation
• Interpersonal skills