**Qualifications and experience **

• Bachelor’s Degree Business, Finance or related field. 

• MBA or master’s degree in design or project management is preferred. 

• Certifications in Product Management, Agile, UX, ITIL or Project Management are advantageous. 

• Membership in recognized product design professional bodies 

• 8 to 12 years in digital banking or fintech 

• Minimum 3 years in Digital Banking leadership. 

• Proven experience in Core Banking, CRM, Chatbot and enterprise digitization projects and mobile banking /internet banking change life cycle. 

• Demonstrated ownership of digital products, governance forums and commercial performance. 

• Prior Experience with Cooperate Banking payment and collection services 

**End to product design, development and entire life product lifecycle ownership  ****

• Administer full digital product lifecycle from discovery to optimization.  

• Develop product strategy, design solution process and experience architecture analyse customer journeys, conduct UX research and competitive audits, prepare 

• Submit concept papers and business cases, secure stakeholder buy in, design UX baselines, review and audit developments 

• Undertake functional & design QA, evaluate test results, authorize production readiness, organize Go To 

• Market plans, guide launch execution, conduct post-launch UX audits, analyse performance data, and orchestrate iteration cycles. 

Digital Product Governance and Change Control ****

• Prepare, review and submit CAB documentation for projects without PMs.  

• Defend change requests at Advisory Board known as CAB. 

• Verify scope alignment to strategy. Examine risk impacts. Authorize change deployments. Audit implementation compliance. 

Parallel Initiative Oversight and Digitization Lead  ****

• Analyse cross functional digitization initiatives impacting Internet & Mobile Banking. 

• Design channel requirements, evaluate development dependencies, review BRDs, FRDs and SRS guide solution alignment with enterprise architecture 

• Delegate tasks to SMEs, monitor change lifecycle, authorize deployment readiness, and verify delivery against scope. 

Multi-Stakeholder Orchestration and risk Engagement  ****

• Review and respond to Risk Assessment Documents and examine regulatory implications.  

• Coordinate IT, Operations, CX, Compliance, Risk & Finance inputs.  

• Administer cross functional alignment meetings. Evaluate mitigation controls. Submit responses to auditors and governance forums. 

Stakeholder Buy in and Commercial Alignment ****

• Develop and present business cases to Transformation, Retail, Corporate, Finance, Marketing, Products, CX, IT and Operations.  

• Analyse revenue impact and cost implications. Guides offer advisory on commercial viability discussions. 

• Negotiate feature prioritization. Secure cross-functional approvals. 

Budget Review and Cost Governance **

• Review vendor costing proposals.  

• Analyse digital investment budgets for Internet and Omnichannel experience strategy. Examine ROI projections.  

• Recommend budget approvals to the Head of DFS. Monitor project-related expenditure.  

• Verify cost alignment with business case.  

• Evaluate pricing impacts on channel profitability.