Job Purpose:

To lead 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 building 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:

• Conduct in-depth market research and analysis of customer needs, competitor offerings, and industry trends in payments and liabilities. 
• Define and evolve the product vision and roadmap for payments (card, wallet, transfers, collections, disbursements) and deposit products. 
• Identify emerging opportunities in areas such as open banking, API integrations, QR payments, and instant payments.
• Drive alignment of product priorities with business goals and regulatory expectations.

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 commercial performance for the payments and liabilities portfolio. 
• Develop and implement go-to-market strategies, pricing models, and campaigns to drive adoption and revenue growth. 
• Monitor transaction volumes, customer activity, and profitability.
• Partner with marketing, sales, and distribution teams to deliver effective acquisition and retention strategies.

Performance, Compliance, and Risk Management:

• Define, monitor, and report on product KPIs including transaction success rate, uptime, fee income and customer satisfaction. 
• 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:

• Provide leadership to product teams, fostering a culture of innovation, accountability, and collaboration. 
• Mentor junior product managers and analysts to build capacity.
• Manage relationships with key payment partners and FinTech’s to strengthen the Bank’s payment ecosystem.

Job Dimensions:
Responsibilities:

• 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 7 years of experience in product management, at least 5 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.

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.