PURPOSE STATEMENT

This role is responsible for designing, developing, and maintaining digital banking applications and platforms that enhance customer experience and streamline banking operations. This role focuses on creating innovative digital solutions, improving existing systems, and ensuring seamless integration across all digital channels (e.g., mobile banking, online banking, Agency Banking, APIs, and third-party integrations). The Manager, Digital & Applications Development, will have a strong technical background, a deep understanding of banking systems, and a passion for delivering cutting-edge digital solutions.

KEY MEASURABLE GOALS

Application Development:

• Time-to-Market: Deliver new features and applications within agreed timelines (e.g., 90% on-time delivery).
• Code Quality: Maintain a low defect rate (e.g., less than 5% of bugs reported post-release).
• System Uptime: Ensure 99.9% availability of digital banking applications.

Digital Channels Performance:

• User Adoption Rate: Achieve a target increase in active users (e.g., 20% YoY growth in mobile banking users).
• Customer Satisfaction (CSAT): Maintain a CSAT score of 85% or higher for digital channels.
• Transaction Volume: Increase digital transaction volume by 15% annually.

Innovation and Strategy:

• Number of New Features Launched: Launch at least 5 new digital features or enhancements per year.
• ROI of Digital Initiatives: Achieve a minimum ROI of 20% on digital transformation projects.

Project Management:

• Project Delivery: Ensure 95% of projects are delivered within budget and scope.
• Stakeholder Satisfaction: Achieve a stakeholder satisfaction score of 90% or higher.

Security and Compliance:

• Incident Response Time: Resolve security incidents within 24 hours of detection.
• Compliance Audits: Pass 100% of regulatory and internal compliance audits.

Customer Experience:

• Net Promoter Score (NPS): Achieve an NPS of 70 or higher for digital banking services.
• App Store Ratings: Maintain an average rating of 4.5 stars or higher on app stores.

Team Collaboration:

• Employee Engagement Score: Achieve a team engagement score of 85% or higher in annual surveys.
• Training and Development: Ensure 100% of team members complete mandatory training programs annually.

KEY RESPONSIBILITIES

Application Development:

• Design, develop, and maintain digital banking applications (e.g., mobile apps, web portals, and APIs).
• Collaborate with cross-functional teams to gather requirements and translate them into technical specifications.
• Ensure applications are scalable, secure, and compliant with banking regulations (e.g., PCI DSS, GDPR).
• Conduct code reviews, debugging, and performance optimization.

Digital Channels Management:

• Oversee the development and enhancement of digital banking channels, including online banking, mobile banking, and chatbots.
• Integrate digital channels with core banking systems and third-party platforms (e.g., payment gateways, fintech partners).
• Monitor and analyze channel performance to identify areas for improvement.

Innovation and Strategy:

• Stay updated on emerging technologies (e.g., AI, blockchain, cloud computing) and assess their potential impact on digital banking.
• Propose and implement innovative solutions to improve customer engagement and operational efficiency.
• Collaborate with product managers to develop new digital banking features and services.

Project Management:

• Lead and manage digital transformation projects from conception to implementation.
• Ensure projects are delivered on time, within budget, and meet quality standards.
• Coordinate with internal stakeholders (e.g., IT, marketing, operations) and external vendors.

Security and Compliance:

• Implement robust security measures to protect customer data and prevent cyber threats.
• Ensure compliance with regulatory requirements and industry standards.
• Conduct regular security audits and vulnerability assessments.

Customer Experience:

• Focus on delivering a seamless and user-friendly experience across all digital touchpoints.
• Gather customer feedback and use it to drive continuous improvement.
• Ensure accessibility and usability for all customer segments.

Team Collaboration:

• Work closely with UX/UI designers, QA testers, and backend developers to deliver high-quality solutions.
• Mentor and guide junior developers and team members.
• Foster a culture of innovation and collaboration within the team.

Technical Expertise:

Programming Languages and Frameworks:

• Proficiency in programming languages such as Java, Python, Swift, Kotlin, JavaScript, or C#.
• Experience with front-end frameworks (e.g., React, Angular, Vue.js) and back-end frameworks (e.g., Spring Boot, Node.js, Django).

API Development and Integration:

• Strong knowledge of RESTful APIs, SOAP, and GraphQL.
• Experience with API gateways and microservices architecture.

Cloud Platforms and DevOps:

• Hands-on experience with cloud platforms like AWS, Azure, or Google Cloud.
• Familiarity with DevOps tools (e.g., Jenkins, Docker, Kubernetes) and CI/CD pipelines.

Database Management:

• Expertise in relational databases (e.g., MySQL, PostgreSQL) and NoSQL databases (e.g., MongoDB, Cassandra).
• Knowledge of database optimization and performance tuning.

Security and Compliance:

• Understanding of cybersecurity principles, encryption, and secure coding practices.
• Experience with compliance standards such as PCI DSS, GDPR, and PSD2.

Mobile and Web Development:

• Proficiency in mobile app development for iOS (Swift) and Android (Kotlin/Java).
• Experience with responsive web design and cross-browser compatibility.

Emerging Technologies:

• Knowledge of AI/ML, blockchain, and IoT applications in banking.
• Familiarity with data analytics tools (e.g., Tableau, Power BI) and big data platforms.

Qualifications and Experience:

Education:

• Bachelor’s  degree in Computer Science, Information Technology, Software Engineering, or a related field.

Experience:

• 5+ years of experience in application development, preferably in the banking or financial services industry.
• Proven experience in managing digital channels (e.g., mobile banking, online banking).
• Strong knowledge of programming languages (e.g., Java, Python, Swift, Kotlin) and frameworks (e.g., React, Angular).
• Experience with API development and integration (REST, SOAP).
• Familiarity with cloud platforms (e.g., AWS, Azure, Google Cloud) and DevOps practices.

Skills:

• Strong problem-solving and analytical skills.
• Excellent project management and organizational abilities.
• Knowledge of banking systems and processes (e.g., core banking, payment systems).
• Understanding of cybersecurity best practices and regulatory compliance.
• Strong communication and interpersonal skills.

Key Competencies:

• Technical expertise in software development and digital platforms.
• Strategic thinking and innovation.
• Customer-centric mindset.
• Attention to detail and commitment to quality.
• Ability to work under pressure and meet tight deadlines.

Internal Relationships:

• IT Department: Collaborate with IT teams to ensure seamless integration of digital channels with core banking systems and infrastructure.
• Product Management: Work closely with product managers to align digital solutions with business goals and customer needs.
• Marketing: Partner with the marketing team to promote digital banking services and ensure consistent branding across channels.
• Operations: Coordinate with operations teams to ensure smooth implementation and support for digital initiatives.
• Compliance and Risk Management: Liaise with compliance and risk teams to ensure all digital solutions meet regulatory requirements and security standards.
• Customer Service: Collaborate with customer service teams to address user feedback and improve the digital banking experience.

External Relationships:

• Vendors and Third-Party Providers: Manage relationships with software vendors, fintech partners, and third-party service providers to ensure successful integration and delivery of digital solutions.
• Regulatory Bodies: Stay informed about regulatory changes and ensure the bank’s digital channels comply with industry standards.
• Customers: Engage with customers through surveys, feedback sessions, and usability testing to understand their needs and improve digital offerings.
• Industry Groups and Associations: Participate in industry forums and conferences to stay updated on trends and best practices in digital banking.