Head of Product

7 Oct 2025

**Head of Product (50000199)**:

- Category: Proposition
- Job Type:

- Facility: Retail Banking

**Job Purpose**:
'The Head of Product Development is responsible for maximizing the value of products and the output of the product development team by championing the customer voice. The role spans product management, business analysis, user experience, and cross-functional leadership to deliver effective customer value propositions (CVPs). The incumbent owns the product vision, roadmap, and bears accountability for profit and loss.

**Key Accountabilities (1)**:
Product Development and Distribution Roadmap
- Build and communicate product vision in line with overall business strategy.
- Identify growth opportunities based on analysis of user behavior, market data and technology trends.
- Responsible for planning and monitoring long-term product development roadmap.
- Establish and monitor product performance metrics (KPIs, OKRs), supporting strategic adjustment decisions.
- Guide cross-functional team to build business requirements, acceptance criteria, and optimal solutions.
- Work with design team to shape user experience in line with brand strategy.
- Guide product launch activities, coordinate implementation of effective marketing campaigns and monitor market feedback.
- Analyze new technology and market trends.
- Direct evaluation and selection of appropriate technology, ensuring security security, scalability and internal regulatory compliance; Drive end-to-end process implementation for business requirements, adding security requirements and business contingencies in collaboration with security experts.
- Responsible for business performance, profit and loss of products/solutions provided.

**Key Accountabilities (2)**:
Project Management
- Lead the implementation of Agile/Scrum framework in product development, aiming for flexibility and customer value.
- Advise the development team on iteration process, backlog assessment and resource allocation; Monitor progress, control risks and ensure quality output of each sprint.
- Provide vision and direction to the development team and stakeholders throughout the project and create requirements.
- Lead product release plans, planning and expected milestones for new feature launches.
- Promote Agile working style (daily standups, iterations, sprint reviews and retrospectives)
- Address people issues and project barriers, conduct problem and root cause analysis to improve Agile/Scrum practices for maximum productivity.
- Enhance understanding of Agile and Lean Startup practices.

Stakeholder Management
- Product representative works with senior leaders, strategic partners and key customers.
- Strategic bridge between operations team and relevant departments (Business Business, Technology, Communications, Customer).
- Promote alignment between product management and senior management to create a product that aligns with the company's direction.

**Key Accountabilities (3)**:
PEOPLE MANAGEMENT
- Oversee human resources planning and execution (headcount & costs) of their function/ sub-function
- Attract, onboard and retain the right talents for a high-performing team
- Establish and communicate sub-function/ function and individual KRAs/ KPIs, goals, action plan, expectations and results to reporting line
- Manage sub-function/ function performance & provide feedback regularly (following the annual performance management cycle)
- Define team’s capability requirements and enable team member’s professional and personal development through capability assessment, training, coaching & feedback, mentoring, etc.
- Motivate and recognize team members’ contributions towards the team’s shared goals
- Responsible for developing talents within the function/ sub-function
- Act as a role model and promote corporate culture at function/ sub-function level
- Understand & communicate relevant HR offerings to team members.

**Key Relationships - Direct Manager**:
Chief Proposition Officer

**Key Relationships - Direct Reports**:
Assigned team members

**Key Relationships - Internal Stakeholders**:
Cross functional teams within the Division and across Divisions

**Key Relationships - External Stakeholders**:
Distribution Partners; Regulators & Compliance Authorities; Industry Analysts & Market Researchers; Technology Vendors & Solution Providers;

**Success Profile - Qualification and Experiences**:

- A Bachelor's degree or higher in Finance, Banking, Economics, Computing, Information Technology, Business Management or relevant disciplines
- Professional certification in Agile/Scrum or PMI-ACP is preferred
- At least 12 years of relevant banking experience or financial services consulting with 6 years of managerial experience
- Business English standard proficiency as required for the role
- Understanding of insurance, banking industry and recent financial innovations
- Experienced in business analysis and implementation insurance, financial services
- Experienced with d