*Key Responsibilities:
- Product Strategy & Portfolio Management
- Lead and manage the end-to-end lifecycle of retail deposit products across digital and branch channels.
- Develop product strategies aligned with business objectives, customer needs, and market trends.
- Monitor product performance and drive initiatives to optimize growth, profitability, and customer value.
- Product Development & Enhancement
- Conduct market research, customer insights analysis, and competitor benchmarking to identify growth opportunities.
- Design, launch, and continuously enhance deposit products, pricing strategies, and promotional programs.
- Improve customer journeys and digital experiences to increase product adoption and engagement.
- Business Performance Management
- Drive deposit growth, customer acquisition, and portfolio profitability.
- Analyze product performance, funding costs, customer behavior, and business results to identify improvement opportunities.
- Establish and monitor key performance indicators (KPIs) for products under management.
- Governance, Risk & Compliance
- Ensure all products and processes comply with regulatory requirements and internal policies.
- Review and optimize operational processes to improve efficiency and customer experience.
- Identify and mitigate product-related risks while maintaining operational excellence.
- Stakeholder & Project Management
- Collaborate closely with Digital Banking, Technology, Operations, Marketing, Risk Management, Compliance, and Business Units to deliver product initiatives.
- Lead product development and transformation projects from concept to implementation.
- People Leadership
- Lead, coach, and develop a high-performing product team.
- Foster a culture of innovation, collaboration, and continuous improvement.
*Requirements:
- Bachelor's degree or above in Finance, Banking, Economics, Business Administration, or related fields.
- At least 6 years of experience in banking, financial services, product management, or retail banking.
- Minimum 2 years of leadership experience in a similar role.
- Strong understanding of retail deposit products, banking operations, and digital banking trends.
- Proven analytical, strategic thinking, stakeholder management, and leadership capabilities.
- Proficiency in English and Microsoft Office applications.
