KEY RESPONSIBILITIES: 


Develop Financial Planning and Investment Strategies: Develop and implement personalized digitized financial planning tools and techniques tailored to the customers goals, income, expenses and risk tolerance, advise customers on investments, asset allocation and portfolio management to meet short term and long-term goals
Implement  Budgeting, Expense & Debt Management Platforms: Manage and implement digital platforms that assist customers manage their day-to-day finances by creating budgets, tracking spending and offering strategies for savings also to manage debt, including consolidation strategies, loan structuring and repayment plans
Product Development and Innovation: Collaborate with product development teams to design and implement advanced financial planning, budgeting, and investment tools tailored to customer needs on the banks digital channels and ensuring continuous innovation and improvement.
Leverage  Data-Driven Insights: Analyze customer and business financial data to identify trends, optimize financial strategies, and continuously improve the digital personal and business financial management experience 
Forge Strategic Partnerships: Develop partnerships to enhance the bank’s offerings by analyzing insurance and investment needs and making appropriate recommendations for coverage including life, health and motor insurance
Educate and Engage Customers: Develop and deploy educational financial literacy content on the bank’s digital channels (including app and web) focusing on topics such as saving, budgeting, investing, and debt management to help customers make informed financial decisions and enhance their financial literacy.
Collaborate with Cross-Functional Teams: Work closely with internal teams, including marketing, technology, and operations, to integrate PFM/BFM solutions into digital platforms and ensure seamless customer experiences.
Marketing  and Customer Acquisition: Partner with marketing teams to design and execute campaigns that promote financial management solutions, attracting new customers and driving increased engagement.
Monitor and Report Progress: Track the effectiveness of PFM/BFM initiatives and report on performance to key stakeholders, providing actionable insights to improve customer satisfaction and business outcomes.
Ensure Compliance and Ethics: Ensure all PFM/BFM programs comply with regulatory requirements, data privacy standards, and ethical guidelines, safeguarding customer information and adhering to financial regulations.


DAILY RESPONSIBILITIES:


Collaborate with internal stakeholders to define PFM/BFM product requirements, prioritize financial planning and budgeting elements, and deliver solutions that drive customer engagement and satisfaction. 
Drive the adoption of PFM/BFM features & improvements through data-driven insights, user feedback, and experimentation.
Champion design thinking approach to product development of digital platforms, ensuring that all digital experiences are intuitive, user-friendly, and aligned with customer needs and preferences. 
Coordinate with partners to ensure deployment of PFM/BFM promotions, budgeting, savings and investment programs that drive up usage, platform activity and customer engagement.
Coordinate and ensure comprehensive reviews and testing of PFM/BFM promotions to ensure adherence  of the user journeys to the bank’s data governance and policy guidelines.


FUNCTIONAL COMPENTENCIES / KEY SUCCESS FACTORS FOR THE ROLE 


Customer obsession – possess a deep understanding of customer needs, behavior, and the ability to design personalized experiences that drive engagement and loyalty.
Analytical and data driven decision making – able to source, manipulate and analyze massive data sets from various sources, digest this data complexity & churn out insights that lead to solutions and an ability communicate that in a clear and concise manner
Problem solving – above average cognitive ability, able to join dots across diverse data sets and give meaning to complex issues and drive creative solutions
Tech savvy – understands technology and is a digital native 
Good understanding of customer journey mapping and user experience testing 
Ability to collaborate and work with diverse teams 
Ability to perform under pressure and deliver results against odds
Communicates effectively – good verbal and written English
Listens effectively and guides with empathy and care
Exhibits emotional intelligence essentials  


The successful candidate should have the following:


A Bachelor’s degree from a recognized university
Professional Certification is an added advantage
At least five years in managerial experience in  Developing digital financial platforms e.g., banking, payments & investment platforms and managing teams
At least three years relevant work experience with specific experience in:

Digital product management 
Financial planning principles
Personal Finance Management (PFM), investment management or financial planning
Day to day management of digital products
Customer relationship management (CRM)
Fintech/ digital financial services
Data analytics and business intelligence
Service design, user experience, UI/UX and customer journeys optimization