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
Key Requirements
Education:
Experience
Key Skills & Competencies
KPIs / Success Metrics
Preferred Background
CTC Benchmark
30–40 LPA (depending on scale, experience, and location)
- 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
- MBA / PGDM from a reputed institute (preferred)
- Engineering / Technology background is a plus
- 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
- Digital banking & platform strategy
- CASA & deposit growth (digital-led)
- Fintech partnerships & embedded finance
- Customer lifecycle & growth marketing
- Data analytics & performance optimization
- Leadership & stakeholder management
- 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
- Digital banking arms of banks / subsidiaries
- Fintechs / neo-banks / payment banks
- Large private sector banks with strong digital liability franchises
