Job Title

Product Manager – Retail Deposits

Department

Retail Liabilities

Direct Supervisor

Vice President – Product and Proposition

Job Number

Job Purpose

Dimensions

Target/ portfolio size

Budget numbers assigned for the year for PB and MG

Number of Staff

1

Capital Exp. Budget

As per overall segment budget

Other

Full time work from home role aligned to the organization office hours.

Key Result Areas

• Support the Head of Product & Proposition in executing the Retail Liabilities strategy and achieving business and portfolio objectives.

• Monitor portfolio performance, profitability, customer behaviour, and market developments to identify growth opportunities and recommend actions.

• Develop and implement product enhancements, pricing strategies, and customer value propositions to drive acquisition, retention, and balances growth with a digital first mindset.

• Lead and successfully deliver strategic initiatives, product launches, digitization programs, and transformation projects.

• Collaborate closely with stakeholders across business, technology, operations, risk, finance, compliance, and marketing to ensure effective execution.

• Leverage data and customer insights to optimize product performance and support data-driven decision-making.

• Ensure compliance with regulatory, governance, and risk management requirements.

• Contribute to achieving the department's balance sheet, funding, revenue, and customer growth objectives while enhancing overall portfolio value.

Problem Solving

• Ability to understand and take value decisions, which encompass diverse banking products, process and transactions

• Ability to identify risks which may not be apparent and ensure that it is escalated as per process

• Judgment is also exercised in interpretation of environmental parameters that govern the strategy and direction of the relevant portfolio and segment

• Ability to maintain audit preparedness

• Carry out independent market intelligence function as an ongoing program throughout the year

Decision Making Authority & Responsibility

• As per delegation from business head

• Ensure business continuity

Knowledge, Skills and Experience

• Minimum 5+ years of experience in banking, wealth management, product management, including at least 2-3 years in a similar leadership role.

• Strong understanding of banking product management, with experience in deposit and liability products preferred; exposure to digital banking environments is an advantage.

• Graduate or equivalent professional qualification from a recognized institution.

• Proven ability to work effectively in cross-functional teams and build strong relationships with stakeholders across the organization and external partners.

• Strong analytical and problem-solving skills, with the ability to identify growth opportunities, develop data-driven insights, and support revenue enhancement initiatives.

• Ability to plan, organize, and continuously improve customer experience and service delivery across channels.

• Previous experience working on a full time virtual environment will be an added advantage

Job Holder

Date

Line Manager

Date

Approved By

Date