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Business and Financial performance

• Define the overall product strategy and roadmap for consumer, SME and commercial banking, aligned with the affiliate’s strategic objectives.
• Lead the product management function, overseeing product managers responsible for deposits, lending, payments, cards, digital channels and other offerings.
• Identify market opportunities, customer needs and competitive gaps through research, analytics and customer feedback.
• Develop business cases, product concepts and value propositions for new products and enhancements.
• Work with cross-functional teams including marketing, digital, operations, risk and IT to design, develop and launch products on time and within budget.

Customer Excellence

• Manage product life cycles from ideation, development, pricing, positioning, launch, performance tracking and phase-out.
• Ensure products comply with regulatory requirements and internal risk and governance standards.
• Develop pricing strategies balancing customer value, competitiveness and profitability.
• Monitor product performance metrics such as sales volumes, revenue, customer adoption, NPS and profitability.
• Continuously improve existing products based on market trends, customer insights and competitor analysis.

Leadership and people management

• Lead portfolio rationalisation to eliminate underperforming or redundant products and optimise resource allocation.
• Coordinate with segment heads to ensure products meet the needs of target customer segments and drive cross-sell opportunities.
• Champion a culture of innovation, experimentation and rapid prototyping within the product team.
• Embed digital capabilities and user experience principles into product design and delivery.
• Manage relationships with external partners such as fintechs, card schemes, processors and technology vendors to enhance product features and distribution.

Process, control and operational performance

• Provide product training and sales toolkits to distribution teams to enable effective selling and customer servicing.
• Ensure robust product governance, documentation and risk assessments are completed for all products.
• Collaborate with finance to forecast product revenues, manage budgets and track financial performance.
• Drive adoption of agile product development methodologies and data-driven decision making.
• Represent the product function at affiliate and regional forums, ensuring alignment with group product strategy.

Strategic initiatives

• Prepare and present product updates, roadmaps and performance reports to leadership.
• Foster talent development within the product team through coaching, mentoring and career progression opportunities.
• Promote sustainability, ESG considerations and financial inclusion in product design and development.
• Manage product-related incidents, customer feedback and complaints to continuously improve offerings.
• Stay abreast of regulatory developments, technology advancements and industry trends to future-proof the product portfolio.