Principle Accountabilities
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
Key Competencies and Skills
Technical Competencies
Demonstrated ability to lead cross-functional teams including Product Owners, Scrum Masters, and commercial teams Strong understanding of:
- Digital channels, payments, and lending ecosystems
- Customer acquisition, digital marketing, and growth strategies
- Data-driven decision-making and customer analytics
- Strong stakeholder management with the ability to influence at senior leadership level
Minimum Qualifications, Knowledge and Experience
Academic & Professional Qualifications
- Bachelor’s degree in Business, Technology, or a related field (Master’s degree preferred)
- Professional training/certification in Agile, Product Development, Digital Marketing – would be an added advantage
Work Experience
- 10+ years’ experience in banking, fintech, or digital financial services
Proven experience in:
- Digital product development and management (Mobile/Internet Banking preferred)
- Agile project delivery in complex environments
- Commercialization of digital products (growth, adoption, revenue ownership)
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