●              Define the product vision, strategy, and roadmap for digital banking services, ensuring alignment with the organization’s long-term goals.

●              Identify opportunities for new products, features, and enhancements that address customer needs, improve user experience, and generate revenue.

●             Prioritize digital banking features and services based on market demand, competitive landscape, and business impact.

2.            Market Research & Customer Insights:

●             Conduct market research to understand customer needs, digital banking trends, and industry developments.

●              Analyze customer feedback, user behavior, and transaction data to identify opportunities for product innovation.

●              Benchmark the bank’s digital products against competitors and industry leaders to ensure a competitive edge.

3.            Product Development & Design:

●             Collaborate with technology, operations, and design teams to develop digital banking solutions such as mobile apps, online banking, and payment services.

●             Define product requirements, use cases, and user stories, ensuring the development of a seamless and intuitive user experience.

●              Oversee the product development process, from ideation to launch, ensuring that digital products are delivered on time and meet quality standards.

4.            Stakeholder Management:

●             Work closely with internal teams (IT, marketing, legal, compliance) to ensure that digital banking products comply with regulatory requirements and internal policies.

●              Engage with external vendors, partners, and third-party service providers to integrate new technologies and enhance product offerings.

●             Act as the primary point of contact for all digital banking product-related queries and updates.

5.            User Experience (UX) & Customer Journey:

●             Focus on delivering a superior user experience across digital banking platforms, including mobile apps and web-based solutions.

●              Work with UX/UI designers to ensure products are user-friendly, visually appealing, and accessible across various devices and platforms.

●              Continuously improve the customer journey by implementing features that simplify banking processes and enhance engagement.

1.            Product Performance

●             Adoption Rate of Digital Banking Products

●             User Retention and Churn Rate

●             Monthly Active Users (MAUs) and Daily Active Users (DAUs)

●             Customer Satisfaction Scores (CSAT)

●             Net Promoter Score (NPS)

2.            Business Impact

●             Revenue Generated from Digital Products

●             Cost Savings through Process Automation

●             Conversion Rate of Digital Transactions

●             Cross-Selling and Upselling Metrics via Digital Channels

3.            Operational Efficiency

●             Time-to-Market for New Features or Products

●             Percentage of Projects Delivered On-Time and Within Budget

●             Bug Resolution and Defect Rates

4.            Customer Experience

●             Average Resolution Time for Digital Support Issues

●             Digital Journey Completion Rates (e.g., account opening, loan applications)

●             App Store and Platform Ratings and Reviews

5.            Innovation and Competitiveness

●             Number of New Features Launched Annually

●             Market Share of Digital Banking Services

●             Benchmarking Against Competitors in Digital Offerings

●                   Internal

●                   Operations Teams

●                   Marketing and Communications

●                   Legal and Compliance Departments

●                   Finance and Risk Management

●                   Customer Service and Support

●                   Senior Leadership/Executive Team

●                   UX/UI Design Team

●                   External

●                   Banking and Fintech Partners

●                   Regulatory Bodies

●                   Industry Analysts and Consultants

●                   Customers and End-Users

●                   Payment Network Providers

●                   External Marketing Agencies

●                   Innovation Hubs and Startups

2.            Customer-Centric Approach

3.            Technical Acumen

4.            Project Management

5.            Analytical and Problem-Solving Skills

6.            Stakeholder Engagement

7.            Innovation and Adaptability

8.            Leadership and Collaboration

9.            Regulatory and Compliance Awareness

10.         Attention to Detail

●                   Proven experience as a Product Manager in the digital banking or fintech space.

●                   Strong understanding of digital banking trends, customer behavior, and emerging technologies.

●                   Exceptional analytical skills, with the ability to translate data into actionable insights and strategies.

●                   Demonstrated ability to manage cross-functional teams and deliver projects on time.

●                   Expertise in Agile/Scrum methodologies and experience with product development tools.

●                   Excellent communication and stakeholder management skills.

●                   Commitment

●                   Honesty

●                   Integrity

●                   Proactive