Ole Overview

The National Head – Digital Banking & Liabilities will lead the digital-first banking strategy for the bank's subsidiary, focusing on scaling CASA, deposits, and customer acquisition through digital channels, partnerships, and embedded finance ecosystems.

This role is accountable for building a high-growth, tech-enabled liability franchise leveraging digital platforms, analytics, and fintech collaborations.

Key Responsibilities

1. Digital Banking Strategy & Build-Out

Define and execute the digital banking vision for the subsidiary
Build and scale mobile-first and web-based banking platforms
Drive seamless digital onboarding (eKYC, video KYC, straight-through processing)
Lead innovation across AI-led journeys, personalization, and automation.

2. Liabilities Growth (CASA & Deposits)

Own end-to-end growth of CASA and term deposits through digital channels
Design digital-first savings/current account propositions
Drive low-cost deposit acquisition and improve CASA ratio
Launch targeted campaigns to increase deposit base and customer stickiness

3. Digital Acquisition & Customer Lifecycle

Build scalable digital acquisition funnels (app, web, partnerships)
Optimize onboarding, activation, engagement, and retention journeys
Leverage data analytics to drive cross-sell and customer lifetime value
Improve conversion rates and reduce acquisition cost

4. Partnerships & Embedded Finance

Build strategic partnerships with fintechs, NBFCs, marketplaces, and corporates
Drive embedded banking (Banking-as-a-Service, API banking)
Scale distribution through ecosystem partnerships and co-lending/cross-sell models

5. Product & Platform Management

Oversee digital liability products (Savings A/c, Current A/c, FD/RD, wallets)
Collaborate with technology, operations, and compliance teams
Ensure high uptime, scalability, and customer-centric product design

6. Analytics & Performance Management

Build data-driven decision frameworks for acquisition and engagement
Track funnel metrics, cohort performance, and campaign effectiveness.
Continuously optimize CAC, LTV, and digital channel contribution

7. Risk, Compliance & Governance

Ensure compliance with RBI regulations, KYC/AML norms, and data privacy
Strengthen fraud prevention and digital risk controls
Maintain audit readiness and regulatory adherence

8. Leadership & Team Building

Build and lead high-performing teams across digital, product, and liabilities
Foster a startup-like, agile, and innovation-driven culture
Align teams with aggressive growth and performance goals

Key Requirements:

Education

MBA / PGDM from a reputed institute (preferred)
Engineering / Technology background is a plus

Experience:

15–20+ years in banking, fintech, or digital financial services
Strong experience in digital banking and liabilities (CASA/deposits)
Proven track record of scaling digital acquisition and partnerships
Experience in building or running a digital banking / neo-bank / subsidiary model

Key Skills & Competencies:

Digital banking & platform strategy
CASA & deposit growth (digital-led)
Fintech partnerships & embedded finance
Customer lifecycle & growth marketing
Data analytics & performance optimization
Leadership & stakeholder management

KPIs / Success Metrics:

Growth in CASA and total deposits (digital contribution %)
Digital customer acquisition and activation rates
Cost of acquisition (CAC) and customer lifetime value (LTV)
Digital channel contribution to overall liabilities
Customer engagement, retention, and cross-sell ratios
Platform uptime, user experience, and NPS

Preferred Background:

Digital banking arms of banks / subsidiaries
Fintechs / neo-banks / payment banks
Large private sector banks with strong digital liability franchises

CTC Benchmark:

30–40 LPA (depending on scale, experience, and location)

Head - Liabilities and Digital banking