Head of Cash Product and Digital Channels

Job ID: 37450

Location: Frankfurt, DE

Area of interest: Transaction Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 26 Aug 2025
- We are seeking a senior Executive Director to lead our Transaction Banking Cash & Digital Products business in Germany.- This is a pivotal role to shape, grow, and deliver our Cash Management franchise, covering payments, receivables, liquidity, deposits, multi-currency accounts, clearing, and digital channels.- You will manage and grow a small team, drive infrastructure and product investment, and ensure we deliver outstanding solutions for our clients.- This role requires a strong cultural fit, people leadership skills, and the ability to make empowered decisions. German language fluency and knowledge of BaFin regulation are essential.- Help us create the business of the future. We are seeking a talented leader who is a deep product professional, with experience and depth in Cash Management for FIs and Corporates, and leading a business and team with a wide and varied set of responsibilities. The ability to manage multiple priorities, complex issues and initiatives, and influencing stakeholders both locally and globally to deliver the best outcomes for clients and the business is critical. It requires experience, passion, energy and resilience - a great challenge if you are ready for it**RESPONSIBILITIES**

**Strategy**
- Understand the dynamics and innovation of cash management for corporate and FI clients with a view to identifying new business opportunities or competitive threats across the region. Devise local strategies to capture the opportunities and grow revenues. Review and recommend cash strategy for the support of European cash management products and work between Country, Region and Group TB Product Management to define and execute this.
- Own the execution of the Cash Management strategy in SCB AG which clearly articulates the business value of the product suite for our clients and for our stakeholders. This includes the production of clear business cases defining product features and functionality, target market, P&L projections and any changes required to internal processes and service delivery.
- Have a comprehensive overview of current and upcoming regulatory requirements on EU level and national interpretation, act as a bridge to Compliance functions and industry bodies, manage and ensure satisfactory implementation of any regulatory developments.

**Business**
- Demonstrate active product life cycle management through regular assessments of products; own the P&L and ensure financial and non financial objectives are met; review MIS and client / market/ sales feedback, demonstrating that solutions (and the business) are Fit for Purpose, fit for Growth and Fit for Sale as per TB Product, Programmes, Product governance, Risk and Conduct frameworks.
- Execute regional deployment of global cash product developments / functionalities with global/ local PMO team. Ensure timely deliveries on agreed strategy. Manage the TB business (cash) inputs to the Regulatory Programme’s such as IPR, PSD3/PSR as well as regular scheme updates (SEPA, CBPR+, ) to ensure timely compliance and delivery. Position SCB AG for market changes in a timely manner and make us a leading provider of Cash Management services in the Country / Region.
- Develop, deliver, commercialise and ensure end to end governance of products in scope in Germany to achieve commercial and defined business outcomes and most importantly client value.
- Enable a high performing team and culture on all SCB AG TB capabilities, Cash Management and associated processes/procedures through regular webinars and training with Product, Sales, Coverage and FM.
- Work with Operations to improve overall service standards and to ensure that quality of service to clients is superior to competition.
- Ownership of adherence to and execution of local policies and procedures, and where appropriate Global policies for Cash, e.g. Product Governance, Pricing. Ensure timely renewal of Local Product Programmes (LPPG) in conjunction with Group Governance and proactively work with stakeholders to identify and quantify new and existing risks. Actively manage local governance as well as risks and issues in close cooperation with respective stakeholders (Compliance, Legal)

**People & Talent**
- Strong leader with experience in managing people. Lead and manage a small team of product professionals in Europe to deliver the Cash strategy; support and drive growth of the team as we build the business, sourcing talent and managing performance to enable a high performing team.
- Act as role model and coach/mentor for the team and broader Europe and TB business. Strong SME in Transaction Banking who can teach individuals and support personal development.

**Risk Management and Governance**
- Ensure country compliance on Group standard for Audit, Control and financial reporting, including reporting of risk
- Identify