Kugan Pillay

Client

· Partner with Client Solutions and 3rd Party partners and ecosystems for the delivery of integrated multi-products and services for the client.

· Implement the client value proposition in country with approved customisations.

· Drive and entrench a consistent client experience and interaction through all engagement platforms.

· Partner with Client Solutions and engineering to provide self-service API's, tools, services, solution readiness skills, knowledge and support to enabling autonomous delivery of digital assets and functionality.

· Build and maintain platform standards (in conjunction with group capabilities) such as design libraries, authentication patterns and development and deployment patterns.

· Conduct client sensing in order to improve understanding of client needs.

· Maintain alignment with other segment heads in order to ensure excellent client proposition delivery and reduction of duplication across segments.

· Drive scale and usage of relevant digital assets and eCommerce platform when relevant and value-adding to a client life journey.

· Partner with Group and Engineering,managing digital assets, from an experience (both developer and customers) and eCommerce perspective, defines the digital customer experience (CX); digital analytics; always on, always secure, DevOps and digital content strategy, as these contribute to, and have an impact on, the success of the digital and eCommerce capability and strategy.

· Ensure that the adoption of digital and engineering functionalities meets customer objectives through solution readiness capabilities.

· Stay abreast of market and competitive developments in order to define and evolve innovative and value-added services to clients across all segments.

Risk, Regulatory & Compliance

· Execute the parameters for the key trade off decisions at client level (i.e. risk appetite, pricing etc.).

· Review audits ensuring that there are no unsatisfactory findings relating to operational losses.

· Define the Digital country Risk framework and appetite in alignment with segment, country and Risk objectives ensuring first line risk accountabilities for digital and ecommerce are carried out

.Data

· Develop platform metrics illustrating flow, developer experience and client experience

· Iimplementation of the digital platform strategy (replacement, renewal, enhancement) with engineering teams that meets the appropriate outcomes in country

· Platforms Enablers and Engineering teams to ensure alignment to build and scale Digital platforms.

Strategy

· Track and report on adoption of the strategy and provides feedback to various domains and capabilities.

· Develop an appropriate platform DevOps (Always On), Always secure and platform as a service strategy.

· Ensure the platforms, methods, team topology and architecture support a low time to market for all teams deploying digitally (lead time from idea to in the hands of customers)

· Guide countries to build relevant features on digital platforms and build them where platforms sit centrally, based on DVF (desirability, viability and feasibility frameworks)

· Provide input to Client Solutions / Client Segment for the build and definition of new and enhanced features and digital products

· Guide Always On and Always Secure in conjunction with Engineering (mean time to recover; mean time between outages; client and bank risk losses)

· Provide client experience standards and methodologies for digital platforms

· Drive adoption of digital platforms with the Client Coverage, marketing, digital and ecommerce teams (% of clients digitally active)

· Host and support countries to build digital product management skills

People

· Set the example and leads the team in line with the Groups leadership identity, core values and People Promise.

· Enable integrated ways of working and collaboration across the value chain to deliver for the client.

· Inspire the team to deliver on the Group's shared purpose and instilling a culture which enables the Group to evolve into a client led platform organisation.

· Inspire the team to deliver on the Group's shared purpose and instilling a culture which enables the Group to evolve into a client led platform organisation.

· Ensure alignment to the People and Culture standards with regards to all employee-related matters.

· Provide input into talent strategy developed by People and Culture.

· Identify current and potential employee skill requirements in consultation with the People and Culture function.

Product

· Develop and build digital products with client solution and segment teams.

· Deliver SBG and 3rd party products and services to the Consumer and HNW segments through client centric ecosystem platforms.

· Continuously scan the external environment in order to keep abreast with new developments in partnerships, business and technology.

· Develop and implement processes of sourcing ideas, building prototypes and scaling the prototypes on platforms; and ensures that funding is managed through a disciplined gated process.

Financial Management

· Accountable for the achievement of the financial and non-financial outcomes required for Digital and eCommerce country in line with CHNW Clients requirements and in close collaboration with Innovation and Platform enablers.

· Deeply understand and optimize eCommerce financial metrics (cost per click, SEM, SEO).

Africa Regions Digital Transformation:

- Head Digital Channels strategy in customer journey construct i.e.: Build, Run the Bank & commercialisation strategy (technology and Digital business transformation)

- Established and managed Mobile Banking team (Build, Run the Bank & commercialisation strategy) Products, Mobile money, Wallets, parity across channels

- MNO and Banking Strategy: Product development (Account to Wallet and Wallet to account)

- Commercial and Enterprise Banking Digital Strategy (Mobile Strategy)

- Digital Platform Security implementation

- Established Africa Regions Digital Channels Toolbox & operating mode framework

- Platform Fintech partnership for UI, UX, CX Strategy & execution

- Established Africa Digital commercialization strategy business on the Africa continent executing Digital Business Transformation across business segments.

- Implement and execute GO to Market Strategy for Retail, Business & Commercial Banking segments

- Manage Digital Transformation and Business segments in Africa to achieve the set targets by driving the Commercialisation strategy for all products on the digital platform

- Drive team’s strategy and key deliverables including budgets

- Implement country strategy to drive business readiness to ensure Sales Strategy are executed efficiently to meet Commercialisation measures

- Key emphasis on customer experience and review of SLA’s to ensure TAT are met

- Review ROA country Risk and Audit to ensure the necessary frameworks are adhered to

- Maintain and establish relationships with internal and external Stakeholders

- Establish monthly communication to all stakeholders on business performance and client engagement

- Manage resource structure in Africa Regions to ensure the business is structured efficiently to drive and meet business objectives

- Attend and contribute to the monthly Commercialisation Board representing the Africa Regions business

- Establish & Manage Agile teams (New Ways of Work)

- Establish and Manage Country Digital MANCO (Channels)

- Implemented payments operating model and strategy for ROA

- Established Cross Border Payments Strategy in conjunction with Group and CIB strategy.

- Driving Ghana Domestic payments strategy - Ghipps Domestic switch

- Visa Direct - Cross Border Payments Solutions (Business Banking and Retail)

- MIS/ Reporting

- Africa Regions Payments Pricing

- Audit & Risk reviews

- Manage Payments Budget per business stream

- Statement Narratives

- Established Payments blueprint for Africa Regions

- Real-Time Cross border payments via preferred channels (E Banking)

- Driving Commercialisation of the payments business, setting of regional strategy and targets for the respective ROA business

Recruited by Standard Bank Africa Regions to establish Operations & Technology domain ( Blueprint ) in new markets on the African continent based on the respective market segments Strategy:

- Operating Model

- Regulatory

- Governance Structures

- Structure and People

- Human Resources

- Technology & Operations

- Finance

- Marketing and Merchandising

- Cash, Trade & Payments

- Segmentation and Product (BB & PBB) • Channel Strategy

- Credit

- Risk

- Key Processes and Workflow

- Country Customization

- Implementation and Transition

- Recruited by Standard Bank CIB as Senior Consultant to manage the implementation and delivery for the Africa Strategy in conjunction with Senior Executive Management & Global Heads.

- Managed and Executed 3 signature initiatives within the investment bank (Trade, Payments & BOP reporting)

- Stakeholder management – Standard Bank SA and Stanbic Africa to ensure business & operational efficiency.

- Traveled to Africa Regions to ensure to establish and execute country enablement for Trade & Payments

- Managed the Enablement and Execution concurrently for:

AFRICA:

- International Trade and Payments

- Finacle / Core Banking Platform roll out in Africa

- Change Management

- Trade & Payments Programme

§ SOUTH AFRICA

- Trade & Payments Processing Platform implementation

- BOPCUS 3 Program – Managed a large team in conjunction with:

Business , Technology and Operations Heads for the STD Bank Group BOP program (Business Systems include - Domestic Treasury, ZAPS, Retails Forex System CIB & PBB, BOL , Business on Line , ITrade, Investor Services , Money transfers ,Bank Trade and other integration system, Workflow )

- Managed Regional Portfolios for FIG including International and Domestic Financial Institutions focusing primarily on Transactional Product & Services & Treasury establishing correspondent banking relationships in the Middle East, North Africa (MENA region), Africa, Indian Sub- Continent, Asia, Turkey including North and South America,

- Establishing, maintaining, and managing relationships implementing vision within the business area.

- Created Strategy for Regional portfolio’s which included the grouping of top tier institutions to increase market share in the relative regions and strengthen relationships enhancing reciprocity flows,

- Presented strategy to key stakeholders/Departments in the Bank,

- My business was managed in conjunction with the Barclays FIG team. Strategy was focused on the bigger FIG team which I was a part of,

- Created and established FIG strategy working closely with the Credit/Risk department, Treasury and Transactional Product areas

- Played an integral role in product development for trade & Payments,

- Increased Portfolio revenue by 30% yoy,

- Focused on Network Management customizing solutions for both International and Domestic Institutions,

- Travel to all regions globally to meet with Executives of top Financial Institutions /Banks to pitch for our global business value proposition

- Introduced government and corporate delegations from international regions to IBD for possible deal making,

- Represented Absa/Barclays at the SIBOS conference and Regional Swift conferences internationally,

- Negotiations with Senior Executive at International and Domestic Institutions which included the CEO, Managing Directors, Heads of Departments and Key stakeholders in the business,

- Conducted performance development reviews for Relationship Managers & Officers that reported to me,

- Assisted Foreign Banks to establish Branch and Representative office in South Africa,

- Advised and assisted International Institutions in providing Market Intelligence in Africa,

- Managed a key role in pricing committees,

- Weekly meetings with Barclays FIG globally regarding updates on all regions and opportunities,

- Analysis of Trade, Payments and other shadow income from respective product areas to keep track of revenue flows.

Projects

- Gateway for Africa payments

- IFI related projects:

- Compliance/Risk

- Product development

- SIBOS

Other Managerial and Operational Functions

- Managed the IFI regional portfolios ensuring AML/KYC is done and up to date.

- FIG queries escalated to management relating to operations

- Chairperson - Employment Equity Forum

- Head - Business Continuity Management

- Managed and Mentored graduates from the graduate program referred by HR

- Represented Absa at DTI, SARB ,ABSIP ,Embassies , and Business Forums through my network

Product Areas

Originated transactions focusing on the following product areas:

- Treasury

- Investment Banking Division

- Transactional product and services

- Structured Trade and Commodity Finance

- Cash Management / Custody

- Retail, Corporate and Business Banking

- Risk Participation/ Syndications

- Bond Issuance

- Product Development

- Senior Business Analyst & Business Design for Financial Institutions Group

- Managed FI Projects

- Managed operations for IFI as there were only Regional Heads and no control over operations of the business

- Manage treasury project for BOE / NEDBANK MERGER

- Amalgamation of all subsidiaries/liquidity management

- Created and documented processes and manuals for Back /Front Office operations efficiency

- Capital Markets Trader (Front Office)

- Merchant Bank: Treasury Operations

- Capital Markets Operations (Back Office & Middle Office Functions

- Assistant Bond Trader (Manage Capital Markets trading desk)