**Academic & Professional Qualifications ****

• Bachelor’s degree in Finance, Economics, Banking, Business, Statistics or related field 

• Master’s degree in MBA, Finance or Strategy is an added advantage 

• Professional certification such as CPA, ACCA, CFA, ACT, or equivalent is desirable 

• Professional banking qualification (AKIB or equivalent) is an added advantage 

• Certification in Product Management or Digital Banking is desirable 

Experience Requirements **

• Minimum 7–10 years banking experience 

• At least 4–5 years’ experience in liabilities product management, treasury, deposits or funding 

• Proven experience managing deposit products or funding portfolios 

• Exposure to multi-segment banking environments (Retail, SME, Corporate) 

• Demonstrated experience launching or optimizing liability products 

• Experience with digital banking channels preferred 

**Product Strategy & Portfolio Leadership ****

• Develop and execute liability product strategies aligned to funding, liquidity and growth objectives. 

• Manage the full product lifecycle from concept to launch, enhancement and rationalization. 

• Design segment-specific deposit propositions for Retail, SME, Commercial and Corporate markets. 

• Identify market opportunities for innovative deposit solutions. 

Deposit Growth & Commercial Performance ****

• Drive growth in deposit volumes, mix quality and cost of funds optimization. 

• Develop pricing strategies and interest rate structures aligned to market dynamics. 

• Monitor portfolio performance and recommend tactical interventions. 

• Partner with business units to achieve deposit mobilization targets. 

Innovation & Digital Enablement ****

• Design digitally enabled deposit products and onboarding journeys. 

• Collaborate with Technology and Digital teams to enhance product accessibility. 

• Support automation of account opening, servicing and cross-selling journeys. 

• Develop ecosystem-linked deposit solutions. 

Market Intelligence & Competitive Positioning ****

• Conduct competitor benchmarking and market research. 

• Monitor trends in funding markets and customer preferences. 

• Recommend enhancements to maintain product competitiveness. 

Governance, Risk & Compliance ****

• Ensure product structures comply with regulatory requirements and internal policies. 

• Maintain up-to-date product documentation and pricing frameworks. 

• Support product approval processes and governance committees. 

• Monitor compliance and audit findings relating to liability products. 

Stakeholder Collaboration ****

• Work closely with Treasury, Finance, Risk, Operations, Technology Sales and other relevant teams. 

• Provide technical support and training to business teams. 

• Support marketing initiatives and product campaigns. 

Performance Analytics & Reporting **

• Develop dashboards tracking product uptake, profitability and mix. 

• Monitor funding concentration, deposit stability and behavioral trends. 

• Provide insights into decision making and strategy refinement.