Senior Manager, Products and Process

Product Ownership & Lifecycle Management

• Own the full product lifecycle – concept, design, business case, approval, launch, review, refresh and retirement.
• Draft and maintain Product Program Guidelines within the regulatory framework and the Board- and Management-approved risk appetite.
• Set pricing, own product profitability, reduce acquisition costs, maintain spreads and maximise return on capital.
• Conduct monthly product performance reviews against defined KPIs.
• Build go-to-market plans, campaigns and frontline enablement programmes for every launch.

Process Design & Re-engineering

• Challenge conventional processes; redesign customer journeys from first principles while remaining fully compliant.
• Cut turnaround time, cost to serve and manual touchpoints against measurable targets.
• Digitize product processes, servicing and acquisition to control costs and improve the customer experience.
• Author and maintain standard operating procedures, checklists and delegation matrices.

Regulatory Engagement & Policy Advocacy

• Own the regulatory relationship for policy advocacy and provide regulatory feedback. Engage with the central bank, industry associations and relevant authorities as the Division’s technical voice.
• Prepare position papers, impact assessments and advocacy submissions on policies affecting the segment.
• Interpret regulatory changes, assess their business impact and lead implementation across products, processes and systems.

Market Intelligence & Field Validation

• Visit the market frequently. Test products and processes geography by geography. Incorporate field evidence into design decisions.
• Track competitor propositions, pricing and service standards, and address identified gaps.
• Partner with Risk, Compliance, Legal, Finance, Operations and Technology to secure approvals and close audit observations.
• Ensure compliance with KYC, AML and other regulatory requirements across every product and process.
• Keep frontline and sales teams updated on product features and the prevailing policies and guidelines of the bank and regulators.