SME for Digital Daily Banking & CASA Growth📣 إعلان

About the Role

TawanTech is seeking a Subject Matter Expert (SME) for Digital Daily Banking & CASA Growth to join our team in Riyadh, Riyadh Province. This full-time role requires a candidate with a strong business-oriented background, complemented by a solid understanding of IT, rather than a purely IT-focused profile. The SME will drive strategic initiatives to enhance digital banking offerings and grow customer acquisition and savings accounts.

Digital Banking Strategy and Governance

This role involves leading cross-functional efforts and defining strategic direction for digital banking initiatives. Key responsibilities include:

• Coordinating and leading cross-functional working groups across various departments including CX, Digital, IT, Operations, Marketing, Retail, MIS, Compliance, HR, and Finance.
• Defining individual and team-wide KPIs, managing the governance calendar, and overseeing daily/weekly core team syncs and SteerCo cadence.
• Managing escalation paths, risk registers, and issue resolution across all workstreams.
• Building and maintaining an analytical dashboard to track daily logins, transaction frequency, CASA balance per customer, and customer engagement metrics.
• Analysing financial behaviours, balances, product usage, and transaction patterns for salaried and non-salaried customer segments.
• Benchmarking daily banking propositions, features, and incentives at peer KSA banks.
• Designing differentiated propositions for salaried, non-salaried, Gold, and Diamond tiers, including tailored savings/investment features, flexible transaction limits, digital onboarding, and virtual RM services for high-value segments.
• Conducting and synthesising customer interviews and focus groups to validate proposition attractiveness, relevance, and clarity.
• Leading cost-benefit analysis of proposed benefits for financial viability and strategic alignment.
• Mapping digital banking customer journeys across mobile and web platforms.
• Identifying and documenting UX/UI discrepancies, friction points, and missing daily banking features.
• Prioritising improvement opportunities based on customer impact, implementation effort, and strategic importance.
• Developing detailed specifications for prioritised initiatives and conducting handoff sessions to mobile and web delivery teams.

Account Opening and Loyalty Program Transformation

The SME will lead initiatives to streamline account opening processes and develop customer loyalty programs:

• Mapping the current account opening journey, identifying pain points, drop-offs, manual handoffs, and delays.
• Benchmarking peer KSA account opening best practices and digital onboarding standards.
• Redesigning a streamlined, digital-first journey, including the transition from youth mobile apps to full retail banking.
• Overseeing UX/UI build and IT requirements definition, and governing end-to-end IT execution.
• Leading the pilot, measuring adoption and turnaround times, and iterating before full rollout.
• Analysing customer login frequency, transaction types, volumes, and CASA balances to identify rewardable behaviours.
• Benchmarking loyalty programme structures (points, cashback, tiered benefits) at peer banks.
• Designing the rewards programme, defining earning/redemption mechanics, benefit tiers, and integration across the BAB ecosystem.
• Integrating the loyalty system with the Credit Card loyalty platform.
• Overseeing pilot rollout, monitoring adoption rates, and refining based on feedback.

Bancassurance and Training Initiatives

This role also encompasses developing bancassurance offerings and building internal capabilities:

• Defining bancassurance objectives and aligning on the partnership/distribution model (exclusive vs. non-exclusive).
• Conducting market analysis and financial feasibility/ROI modelling.
• Leading partner identification, commercial negotiation, and agreement finalisation.
• Managing the SAMA regulatory approval process end-to-end.
• Overseeing API and system integration for pre-sales, sales, and post-sales journeys.
• Ensuring channel and staff readiness, including training and regulatory certification for sales staff.
• Designing and delivering training programmes for branch, telesales, contact centre, and digital teams on new propositions, processes, and compliance requirements.
• Developing communication guidelines, sales scripts, and internal engagement materials.

Required Qualifications and Experience

Candidates should possess the following qualifications and experience:

• Strong senior-level experience within banking or financial services.
• Proven expertise in banking strategy, transformation, or commercial optimization initiatives.
• A consulting background is strongly preferred, particularly in banking or financial services projects.
• Experience engaging with senior stakeholders and in client-facing roles.
• Strong analytical, problem-solving, and communication skills.
• Ability to articulate complex banking concepts clearly and concisely.

Work Location and Type

This is a full-time position based in Riyadh, Saudi Arabia. Candidates must either be currently located in Riyadh or willing to relocate.