Unit Head: Product

Job Purpose

To provide strategic leadership and direction to the Retail Banking teams in developing, managing and enhancing customer segment propositions and product offerings. The role is responsible for driving product innovation, coordinating product promotions, and identifying growth opportunities through robust customer and product profitability analysis, competitor benchmarking, market intelligence and customer insights. The position aims to strengthen the Bank’s market positioning, enhance customer value, drive product adoption and deliver sustainable business growth.

Key Responsibilities

1. Product Strategy and Development

• Lead the development, review and enhancement of Retail Banking products and customer segment propositions in line with the Bank’s business strategy and growth objectives.
• Identify opportunities for product innovation and improvement based on customer needs, market trends, competitor offerings and emerging business opportunities.
• Develop product strategies and roadmaps to strengthen the Bank’s competitive positioning and customer value proposition.
• Ensure product features, pricing and delivery channels remain relevant, competitive and aligned with customer expectations.
• Coordinate with relevant stakeholders to ensure effective design, approval, launch and implementation of new or enhanced products.

2. Product Performan