Product Manager - Liabilities

Academic & Professional Qualifications

• Bachelor’s degree in Finance, Economics, Banking, Business, Statistics or related field
  
• Master’s degree in MBA, Finance or Strategy is an added advantage
  
• Professional certification such as CPA, ACCA, CFA, ACT, or equivalent is desirable
  
• Professional banking qualification (AKIB or equivalent) is an added advantage
  
• Certification in Product Management or Digital Banking is desirable
  

Experience Requirements

• Minimum 7–10 years banking experience
  
• At least 4–5 years’ experience in liabilities product management, treasury, deposits or funding
  
• Proven experience managing deposit products or funding portfolios
  
• Exposure to multi-segment banking environments (Retail, SME, Corporate)
  
• Demonstrated experience launching or optimizing liability products
  
• Experience with digital banking channels preferred
  

Product Strategy & Portfolio Leadership

• Develop and execute liability product strategies aligned to funding, liquidity and growth objectives.
  
• Manage the full product lifecycle from concept to launch, enhancement and rationalization.
  
• Design segment-specific deposit propositions for Retail, SME, Commercial and Corporate markets.
  
• Identify market opportunities for innovative deposit solutions.
  

Deposit Growth & Commercial Performance

• Drive growth in deposit volumes, mix quality and cost of funds optimization.
  
• Develop pricing strategies and interest rate structures aligned to market dynamics.
  
• Monitor portfolio performance and recommend tactical interventions.
  
• Partner with business units to achieve deposit mobilization targets.
  

Innovation & Digital Enablement

• Design digitally enabled deposit products and onboarding journeys.
  
• Collaborate with Technology and Digital teams to enhance product accessibility.
  
• Support automation of account opening, servicing and cross-selling journeys.
  
• Develop ecosystem-linked deposit solutions.
  

Market Intelligence & Competitive Positioning

• Conduct competitor benchmarking and market research.
  
• Monitor trends in funding markets and customer preferences.
  
• Recommend enhancements to maintain product competitiveness.
  

Governance, Risk & Compliance

• Ensure product structures comply with regulatory requirements and internal policies.
  
• Maintain up-to-date product documentation and pricing frameworks.
  
• Support product approval processes and governance committees.
  
• Monitor compliance and audit findings relating to liability products.
  

Stakeholder Collaboration

• Work closely with Treasury, Finance, Risk, Operations, Technology Sales and other relevant teams.
  
• Provide technical support and training to business teams.
  
• Support marketing initiatives and product campaigns.
  

Performance Analytics & Reporting

• Develop dashboards tracking product uptake, profitability and mix.
  
• Monitor funding concentration, deposit stability and behavioral trends.
  
• Provide insights into decision making and strategy refinement.