Product Lead - ATM

Product Lead - ATM

03 Jan
dbs asia hub 2

03 Jan

dbs asia hub 2


Job Description

Digital revolutions are set to change the way we live, work and play. Thats why weve spared no effort in ensuring we are at the forefront of this new generation.

Our new digital banking initiative will focus on creating innovative products and services to integrate banking into our customers' digital lifestyle.

Job Purpose

To drive ATM channel P&L; PAN India

Ensure ATM profitability by selecting strategic locations for placements

Review existing portfolio of ATMs and suggest relocation strategy for non-performing ATMs

Implementation of new revenue opportunities and lead generation capabilities for ATMs

Ensure all projects with respect to ATMs are completed with the defined timelines

Ensure all ATM are compliant with all the local as well as regional guidelines

Lead the on-going switch migration project and ensure seamless migration of ATMs without any customer impact

The position ensures: Complete and overarching view and ownership of the PAN India ATM channels and debit card projects

Key Accountabilities on

Accomplish all responsibilities in relation to:

Ensuring all ATM requirements are budgeted for and expenses are well within the defined budget

Implement fresh avenues for capturing leads through ATM channel and increase the productivity of the channel

Implement fresh revenue streams for ATMs to increase the overall profitability

Review competition best practices and implement the same to reduce ATM overheads

Liaise with internal and external stakeholders to ensure highest uptime for ATM as per regional standards

Adherence with Ops, control groups, technology

Ensure all ATMs are maintained as per the organization standards and record deviations

Act as Business Liaison with external stakeholders including RBI, IBA, UIDAI, NPCI

Job Duties & responsibilities

Engage and build cross sell opportunities of existing products through PAN India ATM channels.

Design customer journey while implementing new functionalities to increase ATM productivity

Developing and updating procedures, policies, controls, and monitoring plans for ATM business

Assist in the definition of project scope and objectives, involving all relevant stakeholders and ensuring technical feasibility for ATMs and Debit Cards

Business SPOC for Internal & External Audits and ensuring minimum satisfactory ratings

Campaign management: Ideate, create and run campaigns for driving ATM and Debit Card usage

Define business requirement and work with technology teams to launch offerings via liaison with Internal & External partners

Manage the P&L; responsibility (including increasing revenue through transactions, exit strategy, reducing costs, increasing Offus fees etc.)

Conduct market analysis, feasibility studies and trend analysis to keep abreast of industry development and identify opportunities

Work with Marketing to develop and implement customer contact strategies and marketing tools to support acquisition, retention and cross sale activities

Monitor industry, market, competitor and regulatory trends to ensure that opportunities and risks are identified and appropriate plans are implemented

Required Experience

15 Years experience in managing 1000 ATMs and Debit Card business

Experience in designing Customer Journeys for alternate channels

Proficiency in MS Excel/Power point

Education / Preferred Qualifications

MBA from a reputed institute preferred

Minimum requirement: Graduate degree

Core Competencies

Project Management

Vendor Management & good Relationship


Effective listening

Strong influencing and people management

Technically sound in managing end to end ATMs and Debit Cards

Stakeholder Management

Leadership skills in managing a team of skilled members

Communications Skills

Drive for results

Ability to work in an environment of changing requirements

Technical Competencies

Relevant experience in Banking products

Market and Competitive knowledge

Working knowledge of mobile apps would be added advantage

Work Relationship

Will be working across verticals LCS, GSMC, T&O; and Customer service.

Will be reporting into the ATM Product Head

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