Head of Products, Channels & Business Development

Position Purpose

Lead product strategy, development and commercial performance across digital financial services. Drive product launches, channel development, customer acquisition and strategic partnerships to achieve sustainable revenue growth and improve customer experience.

Key Responsibilities

Develop product strategies, roadmaps, business plans, pricing and profitability models.
Lead product development from market research and business case preparation through approvals, launch and ongoing enhancement.
Lead the business requirements and commercialization of e-wallet and digital channel propositions, coordinating with Technology and Operations.
Develop and enhance payroll card propositions aligned with WPS requirements.
Manage card and payment propositions, including prepaid products, merchant payment solutions and payment gateways.
Identify growth opportunities in remittances and develop partnerships with banks, payment schemes, processors and merchants.
Coordinate product approvals and operational risk assessments with relevant control functions.
Work with Marketing, Sales and branch teams on campaigns, product training, cross-selling and customer acquisition.
Develop customer segmentation, loyalty and retention initiatives.
Monitor product profitability, customer adoption and channel performance, and lead the product and channel team.

Mandatory Requirements

Banking sector experience, including senior responsibility for products, channels, cards or payments.
15+ years of relevant experience across banking products, channels, payments and business development.
Proven experience managing product strategies, business plans, budgets and profitability.
Demonstrated experience developing and launching card and digital payment products, including payroll card products aligned with WPS requirements.
Exposure to e-wallet initiatives, digital onboarding and e-KYC from a product or business perspective.
Experience managing the full product lifecycle, including market research, pricing, stakeholder approvals, commercialization and performance reviews.
Experience managing payment scheme, processor, vendor and strategic partner relationships.
Strong commercial judgment, negotiation, stakeholder management and team leadership skills.
Bachelor's degree in Business Administration, Computer Science, Finance, Marketing or a related discipline.