Liabilities Product Manager

Role Summary

Manage the development, performance, and continuous enhancement of Consumer Banking liabilities products across the Bank’s operating markets. Support sustainable deposit growth, CASA penetration, primary banking relationships, and product profitability through competitive customer propositions, effective pricing, portfolio analytics, and product lifecycle management. Drive digital product adoption, process simplification, and consistent product governance in coordination with country teams and relevant stakeholders.

Accountabilities & Key Roles:

1. Manage the end-to-end lifecycle of consumer liabilities products across countries, including product design, enhancements, and adherence to pricing strategy, implementation, and periodic performance reviews in line with the approved liabilities strategy.
2. Support deposit growth, CASA penetration, customer balance accumulation, and deposit retention through targeted product initiatives and competitive propositions.
3. Monitor product revenue, margins, cost of funds, and profitability, developing pricing recommendations and portfolio optimization initiatives in coordination with Treasury and Finance.
4. Develop and enhance differentiated deposit propositions, leveraging customer segmentation, market intelligence, and behavioral analytics to strengthen primary banking relationships and customer engagement.
5. Coordinate digital account opening, product enhancements, automated servicing, and digital migration initiatives to improve customer experience, product adoption, and operational efficiency.
6. Monitor product-level KPIs, customer behavior, account activation, balance trends, and competitive positioning, identifying performance gaps and recommending corrective actions.
7. Ensure compliance with approved product governance frameworks and regulatory requirements, coordinating product implementation, documentation, and controls with country teams and relevant stakeholders.

Job Requirements:

Education

:

• Bachelor’s degree in Finance, Banking, Business Administration, Economics, or a related discipline.
• Master’s degree in Business Administration (MBA), Finance, or a related field is preferred.
• Relevant professional certifications in banking, product management, financial analysis, or digital banking are an advantage.

Experience

:

• Minimum 6–8 years of banking experience, including at least 3 years in consumer liabilities, retail deposits, or banking product management.
• Proven experience in managing retail deposit products, including current accounts, savings accounts, and term deposits.
• Demonstrated experience in deposit portfolio analysis, CASA growth, product pricing, profitability, and customer acquisition and retention.
• Experience in product development, customer segmentation, market benchmarking, and product lifecycle management.
• Good understanding of deposit economics, Treasury and ALM principles, regulatory requirements, and product governance.
• Experience in digital banking propositions, digital account opening, and product enhancement initiatives.
• Ability to coordinate cross-functional initiatives and work effectively with Distribution, Treasury, Finance, Digital, and country teams across multiple markets.

Competencies

:

• Fluency in written and verbal English communication.
• Strong Interpersonal and presentation skills.
• Financial and analytic acumen.
• Digital& Innovation mindset.
• Strong understanding of customer segmentation, primary banking relationships, customer engagement and retention strategies.
• Excellent stakeholder management and cross-functional collaboration.