Strategy & Channel Growth

• Define and execute the end-to-end business channels strategy aligned to the Group’s ambition to become a technology-led financial institution
  
• Drive growth of digital channels (Mobile & Internet Banking) with a strong focus on adoption, usage, and revenue generation
  
• Identify and unlock new revenue streams across payments, lending and other value streams.
  

Product Development & Agile Delivery

• Lead the end-to-end product lifecycle: ideation, design, build, launch, and optimization
  
• Drive Agile delivery across squads, ensuring timely and high-quality releases
  
• Provide strong oversight across all initiatives, ensuring alignment between business, technology, and customer needs
  
• Ensure solutions are built using human-centered design, Lean Startup, and Agile principles
  
• Champion customer-centricity, ensuring solutions address real customer needs and pain points
  
• Drive personalization through different tools and mechanics through the use of data
  

Commercialization & Digital Growth

• Own commercial success of all channel products, including revenue targets, adoption, and customer growth
  
• Work closely with Marketing to drive go-to-market strategies, digital campaigns, and customer engagement initiatives
  
• Leverage data and analytics to optimize conversion funnels, customer journeys, and retention strategies
  
• Build and execute partnership strategies to enhance distribution and monetization
  

Stakeholder & Cross-functional Leadership

• Lead collaboration across business (all subsidiaries), technology, risk, compliance, and marketing
  
• Ensure strong alignment and execution across all stakeholders
  
• Provide clear direction and prioritization across multiple concurrent initiatives
  

Team Leadership & Capability Building

• Lead and manage a team of Product Owners, Scrum Masters, and Commercial Leads
  
• Build a high-performance, outcome-driven culture focused on delivery and impact
  
• Provide coaching and mentorship to develop strong product, Agile, and commercial capabilities within the team