Manager Digital Channels, Product Development & Sales

Key responsibilities

• Product and Channel Development
• Support the development and management of digital channels and payment products, covering design, launch, adoption, optimisation and enhancement.
• Assist in identifying product and channel improvement opportunities to enhance customer experience, business performance and operational efficiency.
• Support the lifecycle management of products and digital channels, including enhancement, migration and rationalisation where required.
• Project Coordination and Delivery
• Coordinate and deliver assigned projects and initiatives within Cards & Payments, ensuring proper planning, follow-up, execution and reporting.
• Work with internal teams and external partners to ensure that project deliverables are achieved within agreed timelines, budget and scope.
• Prepare project updates, follow-up reports and escalation points for management review.
• Sales, Adoption and Business Growth
• Drive acquisition, activation, usage growth and merchant enablement across digital channels and payment products.
• Support initiatives aimed at increasing card issuance, wallet registrations, digital channel usage and merchant acquiring growth.
• Work with Consumer Sales, Marketing and other business units to support campaigns and sales initiatives.
• Pricing, Commercials and Business Cases
• Assist in defining pricing, MDR, interchange and business models for cards and e-commerce acquiring.
• Support the preparation of business cases, commercial proposals, product papers and performance reports.
• Contribute to revenue growth, cost efficiency and overall profitability of the Cards & Payments Business.
• Campaigns and Customer Engagement
• Work with Marketing to implement campaigns aimed at increasing adoption, usage and customer engagement.
• Monitor campaign performance, customer value propositions, adoption levels and return on investment.
• Recommend improvements to strengthen customer engagement and product performance.
• Performance Monitoring and Reporting
• Monitor product and channel performance, including activation, transaction volumes, spend per card, digital adoption and merchant activity.
• Identify gaps, issues and opportunities, and recommend appropriate actions.
• Ensure quality and timely preparation of reports, dashboards, business updates and stakeholder follow-up.
• Stakeholder and Vendor Management
• Work closely with Digital Support, Card Operations, IT, Risk, Finance, Compliance, Marketing, Consumer Sales and other stakeholders to ensure effective delivery and operational alignment.
• Liaise with Visa, Mastercard, MIPS, ICPS, fintech partners, merchants, vendors and service providers to support product development, service delivery and market initiatives.
• Maintain effective working relationships with internal and external stakeholders.
• Governance, Risk and Compliance
• Ensure that product and channel initiatives are implemented in line with internal policies, regulatory requirements, risk standards and agreed governance processes.
• Support the preparation of documentation required for approvals, reviews, audits, risk assessments and compliance purposes.
• Escalate risks, issues and dependencies to the Head of Cards & Payments Business, where required.
• Minimum Qualifications
• Bachelor’s degree in Business, Finance, IT, Digital Banking, Payments, or any other related field.
• A professional qualification or certification in project management, product management, digital banking, cards, payments or fintech would be an advantage.
• Minimum Experience / Knowledge
• 5 to 7 years’ experience in banking, fintech, cards, payments, digital channels, product management or related areas.
• Experience in product development, digital channel management, project coordination, sales enablement or merchant acquiring would be an advantage.
• Knowledge and exposure to card issuing, ATMs, Internet & Mobile Banking, wallets, QR payments, POP / Bank One Pay and merchant acquiring.
• Experience working with schemes, vendors, fintech partners, merchants or service providers would be beneficial.
• Good understanding of regulatory, operational, risk and governance requirements applicable to banking and payments.
• Key Competencies
• Good understanding of card issuing, digital banking channels, wallets, QR payments, ATMs and merchant acquiring.
• Product development and product lifecycle management skills.
• Project coordination and change management capability.
• Commercial and analytical mindset, with the ability to support business case development.
• Strong communication, presentation and stakeholder management skills.
• Ability to work with cross-functional teams and external partners.
• Good negotiation and relationship management skills.
• Customer-focused approach, with the ability to identify opportunities for product and channel improvement.
• Ability to manage priorities, follow up on deliverables and support execution within agreed timelines.
• Closing Date — 31 August 2026 Management reserves the right to call only the best candidates for an interview.
• If you have not received any communication after the deadline, feel free to call us for any query.