Vice President, Deposit Product & Portfolio TH

Strategic & Business Leadership

• Lead deposit growth and optimize profitability by leading strategies aligned with business direction and ALCO guidance, maximizing NII through effective NIM, deposit AUM, and customer acquisition management.
• Develop Set clear product and funding strategies by defining target segments and growth priorities while managing inflows/outflows to ensure strong returns and a competitive cost of funds.

Product & Portfolio Management

• Oversee end‑to‑end development of deposit and debit card products across digital and physical channels.
• Manage the deposit portfolio to increase NII/NOII through data‑driven cross‑sell and upsell initiatives.
• Monitor key performance metrics including CASA ratio, COD, NIM, NII, and NOII.

Performance & Execution

• Monitor and drive performance by tracking daily/weekly/monthly results across all channels and designing strategies to close gaps while coordinating execution with Finance, IT, Digital, Marketing, Compliance, and Branch Banking.
• Strengthen product delivery and customer value by managing internal and external partnerships and ensuring effective execution of product and campaign initiatives.

Customer Experience & Compliance

• Enhance customer experience by improving journeys across branch and digital touchpoints, while upholding strong governance through controlled sales processes, accurate documentation, and proper management of interest‑rate parameters.
• Ensure full regulatory compliance with AMLO and BOT requirements and proactively mitigate fraud and mule‑account risks to safeguard customers and the bank.

Innovation & Continuous Improvement

• Lead process improvements and digitalization initiatives, including paperless product documents and QR‑based materials.
• Drive ongoing innovation to meet shifting customer behaviors and market trends.

Qualifications & Skills:

• Bachelor’s degree or higher in Business, Finance, Economics, or related fields.
• Strong experience in deposit product management within the banking industry.
• Solid understanding of portfolio management, financial modelling, and product development.
• Strong analytical, stakeholder management, and digital‑driven business skills.
• Ability to lead cross‑functional initiatives in a fast‑paced environment