Responsibilities

• Lead the design, development, enhancement, and lifecycle management of innovative Youth Banking products and value propositions across deposits, savings, payments, digital banking, lending, investments, insurance, and lifestyle solutions.
• Develop product concept papers, business cases, pricing proposals, financial models, and commercialization plans to support product approvals and successful market deployment.
• Manage the end-to-end product development process, including approvals, testing, pilot programmes, user acceptance testing (UAT), launch readiness, implementation, and post-implementation reviews.
• Drive continuous product innovation and proposition enhancement to improve competitiveness, customer experience, market relevance, and portfolio profitability.
• Develop customer progression pathways that support youth customers from transactional banking relationships to advanced savings, credit, investment, and wealth-building solutions.
• Conduct customer segmentation, market research, competitor analysis, customer journey mapping, and portfolio analytics to identify customer needs, market opportunities, and emerging trends.
• Translate customer insights, market intelligence, portfolio performance data, and stakeholder feedback into actionable product enhancements and growth initiatives.
• Design and implement youth empowerment programmes and value-added services through strategic partnerships and ecosystem collaborations to strengthen customer engagement, financial inclusion, retention, and portfolio growth.
• Establish and manage strategic partnerships with educational institutions, youth organizations, fintechs, employers, business support organizations, and development partners to enhance the Youth Banking value proposition and expand market reach.
• Monitor and report on product and portfolio performance indicators, including customer acquisition, account growth, balances, transaction volumes, revenue, profitability, engagement, retention, and utilization.
• Conduct regular portfolio reviews and recommend pricing adjustments, product enhancements, service improvements, and process optimization initiatives to drive sustainable growth and profitability.
• Support the achievement of Youth Banking business objectives through effective product management, market development initiatives, and customer acquisition strategies.
• Track the commercial performance and return on investment of product initiatives and recommend corrective actions to improve business outcomes.
• Ensure all Youth Banking products and services comply with regulatory requirements, internal policies, product governance frameworks, risk standards, and consumer protection principles.
• Maintain comprehensive product documentation, risk assessments, approvals, policies, procedures, and governance records throughout the product lifecycle.
• Collaborate closely with ICT, Operations, Risk, Compliance, Legal, Finance, Marketing, Branch Banking, Partnerships, and Business Development teams to deliver successful product and business initiatives.
• Develop and deliver product training, sales enablement materials, and stakeholder engagement programmes to support product adoption and execution across the Bank.
• Prepare management reports, portfolio reviews, business cases, and performance updates to support strategic decision-making and governance processes.
• Serve as the Bank’s subject matter expert on Youth Banking products, customer segments, market trends, and value propositions.