**Qualifications **

• Bachelor’s degree in business administration, Finance, Information Technology, Operations Management, or a related field.  

• 3–5 years of progressive experience in product development and product management within a banking, payments, or financial services environment.  

• At least 3 years’ hands-on experience across Payments, Digital Banking, Cash Management, or Ecosystem Banking.  

• Proven experience managing card products (credit, debit, and/or prepaid) within a regulated financial institution.  

• Strong understanding of digital payment services, card products, emerging payment technologies, API integrations, and payment processing ecosystems. 

• Solid knowledge of card payment lifecycles, card schemes, merchant acquiring, and end-to-end payment operations.  

• HR Department Doc.   

• Sound working knowledge of the Banking Act and Central Bank of Kenya (CBK) prudential guidelines.  

• Demonstrated ability to understand merchant and customer needs and translate market and industry trends into commercially viable product solutions.  

• Strong execution, analytical, and problem-solving skills with a high degree of accuracy and attention to detail.  

• Excellent interpersonal and communication skills, with the ability to build effective relationships across all organizational levels.  

• Proven people management capability, including team leadership, coaching, motivation, and performance management.  

• Results-oriented mindset with the ability to manage multiple initiatives concurrently while balancing operational, regulatory, and risk considerations. 

**Strategy Development & Business Growth  ****

• Develop and execute the Bank’s merchant acquiring strategy (POS & e-commerce). 

• Create and enhance the product roadmap and value propositions. 

• Conduct continuous market and competitive analysis to identify trends and opportunities. 

• Pursue new partnerships, channels, and business opportunities to drive portfolio expansion. 

Merchant Lifecycle & Revenue Management ****

• Manage the end-to-end merchant lifecycle, including digital solutions deployment. 

• Prospect, acquire, and grow key merchant accounts. 

• Drive acquiring revenue through optimized pricing, fee structures, and transaction performance. 

• Ensure merchant contracts and pricing comply with Bank policies. 

• Improve merchant conversions, optimize e-commerce experiences, and enhance affiliate distribution 

Operations, Risk & Governance  ****

• Collaborate with IT, Risk, Compliance, Finance, and vendors to ensure secure and compliant merchant experiences. 

• Lead user testing (UAT), quality assurance, and solution validation for new initiatives. 

• Provide expert advisory on e-commerce platforms, digital payments, and acquiring technologies. 

Stakeholder Engagement & Enablement  **

• Work closely with business units and product teams to deliver digital collection and payment solutions. 

• Build strong value-based relationships with merchants and partners. 

• Deliver training, product awareness, and support to internal and external stakeholders