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.
  

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.