Job Purpose:

• To Support the product manager in the strategy and delivery of digital payment and liability products that enhance customer experience, drive adoption, and contribute to the Bank’s digital revenue growth. 
• The role focuses on supporting the product manager build scalable, customer-centric payment solutions covering retail, SME, and corporate segments.
• It will ensure innovation, efficiency, and compliance across the entire product lifecycle while aligning with the Bank’s strategic objectives.

Key Responsibilities:
Product Strategy, and Roadmap:

• Match clients' needs with product capabilities through presentation of tailored demonstrations and proposals on payment and liability products propositions.
• Translate the product vision and roadmap for payments Card, wallets, transfers, collections and disbursements and deposits into detailed product backlog and delivery plan.
• Define and evolve the product vision and roadmap. 
• Provide input on feature opportunities based on user feedback, market analysis, and operational insights.
• Prioritize backlog items to ensure alignment with roadmap and sprint goals.

Product Development and Execution:

• Lead end-to-end product lifecycle management from ideation to launch, scaling, and optimization.
• Collaborate with technology, operations, and design teams to deliver robust and user-friendly payment solutions.
• Oversee technical and operational readiness for new products including integration, switching, settlement, and reconciliation processes.
• Ensure timely delivery and performance tracking of products against agreed KPIs.

Commercial Ownership and Go-to-Market:

• Own the product backlog, ensuring clear product papers, and prioritization in the assigned portfolio.
• Co-ordinate closely with PO, QA, and business in sprint planning, stand-ups, retrospectives.
• Ensure product requirements are well defined, testable, and ready for development.
• Ensure compliance with the product or feature acceptance criteria before acceptance. 
• Participate in sprint reviews and backlog refinement sessions for allocated product portfolio.
• Act as primary liaison between business stakeholders and development teams for allocated portfolio.

Performance, Compliance, and Risk Management:

• Track product KPIs related to feature usage and system performance and provide insights on transaction success rate, uptime, fee income, and customer satisfaction.
• Ensure product features meet regulatory and compliance requirements during design and delivery.
• Work with risk teams to incorporate controls into product functionality and ensure compliance with payment regulations, data privacy, and internal governance policies.
• Work with Risk and Compliance to proactively identify and mitigate operational and fraud risks.

Leadership, Mentorship, and Partnerships:

• Facilitate collaboration between business stakeholders and product teams, fostering a culture of innovation, accountability, and collaboration.
• Provide support on product awareness/knowledge of featured products with cross-functional teams.
• Support integration initiatives with internal teams and external partners including key payment partners and fintechs to strengthen the bank’s payment ecosystem.

Job Dimensions:

• Growth in transaction volumes, usage, and fee-based income across payment channels.
  Launch of new or enhanced digital payment solutions.
• Improved customer experience metrics and system reliability success rate, uptime, TAT.
• Effective product governance and regulatory compliance.
• Strong cross-functional alignment and timely delivery of roadmap initiatives.

Academic Qualifications:

• Bachelor’s degree in business, Computer Science, Engineering, or a related field.
• A Master’s degree or additional certifications in Product Management or Fintech is a plus.

Professional Qualifications / Membership to professional bodies/ Publication:

• Relevant certification in Digital Banking, Product Management, or Agile/Scrum will be an added advantage.

Work Experience Required:

• Minimum 1 year of experience in product management, in payments, mobile money, or digital banking.
• Proven record of launching and managing successful payment or liability products.
• Strong understanding of payment ecosystems.
• Knowledge of regulatory frameworks and compliance requirements in payments and digital banking.
• Experience managing P&L and driving commercial growth.

Required Competencies:

• Strategic thinking and execution discipline.
• Strong data-driven decision-making and analytical skills.
• Excellent collaboration and stakeholder management skills.
• Deep understanding of customer needs and digital behavior.
• Leadership and mentorship capability.
• Strong communication and influencing skills.