Retail Banking SME

Role Purpose

The Retail Banking SME drives innovation and optimization across retail banking products and services. Collaborating with cross-functional teams, design solutions with business goals and regulatory standards. SME expertise spans Retail Deposit, Lending, CASA, Core Banking, and Channels, with a focus on customer-centric transformation.

Key Responsibilities

• Expertly maps and optimizes end-to-end customer journeys, ensuring alignment with strategic business goals and customer expectations.
• Collaborate with sales and solution teams to support RFI, RFP responses.
• Supports teams with deep domain knowledge, proven methodologies, and advanced tools to accelerate delivery and innovation.
• Leads the creation of Epics, Features, User Stories, and Tasks with precision, ensuring clarity, traceability, and business value.
• Plays a key role in sprint ceremonies, including planning and reviews, ensuring alignment with business goals and team velocity.
• Collaborates seamlessly with marketing, UX, and cross-functional teams to co-create impactful solutions that enhance customer experience.
• Identifies and implements opportunities to improve compliance efficiency, while elevating customer satisfaction and delight.
• Strategically maximizes business value by aligning initiatives with measurable outcomes and continuous improvement.
• Facilitates high-impact workshops on requirements gathering, solution design, and process optimization for retail banking transformation.
• Acts as a reliable team player, contributing to collective success through shared goals and mutual support.
• Guide and mentor analyst team enabling skill enhancement & career growth through coaching and development plans.
• Contribute to enterprise knowledge by creating Thought leadership collaterals such as white papers, blogs, case studies that reflect industry trends, innovations and best practices in FS.
• Conduct training sessions and workshops on banking domain, regulatory framework and emerging trends.

Skills & Experience Required

• Over 15 years of demonstrated expertise in retail banking service lines.
• Possess in-depth understanding of multiple asset and liability products, including Mortgage Loans, Deposits, CASA, Cards, and Channels, enabling tailored solutions., mobile apps.
• Well-versed in end-to-end business processes and operational flows across retail banking products, ensuring seamless execution and optimization.
• Led digital transformation initiatives, including cloud migration, automation, modernization, and system integration, delivering measurable business impact.
• Experienced in Scaled Agile (SAFe) and hybrid models, actively contributing to ceremonies and driving agile delivery excellence.
• Possess expert knowledge of regulatory changes, with the ability to assess their impact on business operations and compliance.
• Possess working knowledge of UK/EU retail banking markets.
• Skilled in communicating effectively across stakeholders, translating complex concepts into actionable insights.
• Expert in stakeholder management, with the ability to build strong relationships and foster collaboration across teams and functions.
• Embodies a customer-first, empathetic approach to designing and delivering experience-driven solutions.
• Authored collateral supporting design thinking, transparency, traceability, and knowledge sharing.

Tools/Platform Skills

• Demonstrated thought leadership in platforms such as Thought Machine, Temenos, Loan IQ, Solifi and ACBS by aligning them with complex banking operations and strategic objectives.
• Ability to leverage tools such as Jira, Visio, and Confluence to drive cross-functional collaboration and planning.
• Ability to visualize and design transformative customer journeys using tools like Visio, Miro & others.