Product and Ideation Manager- Transactional Banking and Digital Sales

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Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.

Job Description

JOB SUMMARY

The Product and Ideation Manager and digital sales is responsible for driving the development, implementation, and optimization of digital banking solutions—including Payments, Digital Lending, Collections, and Customer Onboarding. This role is pivotal in shaping the bank's digital product portfolio, ensuring timely delivery, market competitiveness, and alignment with customer needs. The job holder will lead cross-functional teams through agile product development cycles, collaborate closely with internal stakeholders and external partners, and champion innovation across the bank's digital channels. With a strong focus on business strategy, service excellence, and cost efficiency, the Product Lead will play a critical role in achieving the bank's digital transformation goals and enhancing customer experience.

KEY TASKS AND RESPONSIBILITIES

1. Product Development and Ideation (Payments, Digital Lending, Collections, Customer Onboarding)-50%

• Ensure that products (payments, Digital lending, Collections) are scoped, approved and developed within the set timeline and budget.
• Act as the digital lead for regular product reviews to ensure they remain competitive within the agile banking market.
• Lead cross-functional teams through product design, prototyping, testing, and release including having a go to market strategy.
• Translate customer insights and market trends into actionable product features
• Oversee agile development cycles and ensure timely delivery of milestones
• Collaborate with UX/UI designers, engineers, and stakeholders to refine product vision and RFO for the bank is achieved.
• Work closely with Branches, MSME, SME and Community RMs, IB RMs, Business Banking and Retail Banking relationship team on fully embedding Transaction Banking and digital products solutions
• Champion product and sales activities to drive business growth.
• Utilize the existing resources efficiently to ensure the bank has competitive and up to standard product

2. Business Planning and Strategy- 25%

• Develop and prepare standard product proposals and presentations for banking services for pitching both internally and externally.
• Liaise with the bank developers and partners to continuously promote and design competitive products for the bank.
• Become the point of reference for clients and bank on the digital product initiatives.
• Implement e-banking and Transaction Banking product solutions to clients, of varying size and complexity.
• Assess and recommend pricing guidelines for Online Banking and Transaction Banking products to ensure the bank remains competitive and at the same time increase overall revenue collection.

3. Service Management -15%

• Implement electronic banking and Transaction banking product solutions to clients, of varying size and complexity.
• Ensure the team is well motivated and guided.
• Either through own initiative, or teams, be a pro-active member of the department, working to reduce project implementation cycle time.
• Co-ordinate resolution of digital and transaction Banking related problems within the agreed TAT.
• Become the point of reference for clients and bank on the Transaction Banking initiatives.
• Provide MIS and metrics on progress of products managed and provide input to management on customer implementation progress, and issues, for discussion with Sales Managers, and Relationship Managers.

4. Cost Containment – 10%

• Ensure Return on Equity is achieved for all the digital and transaction products by driving to achieve agreed share of wallet (SOW).
• Ensure prudent use of bank resources such as taxis and during customer events such as lunches.

KEY RESPONSIBILITIES

Target Achievement

• Ensuring the product targets set by the bank on digital strategy are met fully and timely. This will be measured quarterly to check progress.

Innovation

• Engage on regular innovation forums with vendors, Information Technology and Management teams and contribute towards ensuring the banks product remain innovative and competitive.

Compliance

• Comply with all the existing banks policies and procedures
• Submit to Risk and audit team when called upon to
• Constant review on the banks digital and transaction banking strategies to ensure they are at per with the best in the market

Conduct regular staff product trainings

• Ensure staff are trained regularly on the bank's digital solutions
• Create CVPs for the sales team in the bank to use during customer presentations​

ANTI-MONEY LAUNDERING (AML) EXPECTATION

The incumbent will be responsible for ensuring adherence to, implementation of, and adoption of Compliance, Anti-Money Laundering (AML), and Sanctions-related policies, procedures, and process requirements within Old Mutual and its subsidiaries. This includes execution of customer due diligence processes, ensuring compliance with Know-Your-Customer (KYC) standards, conducting ongoing and enhanced due diligence, and maintaining data quality. Additionally, the role involves identifying and monitoring potential AML, Sanctions, or Compliance breaches and unusual activities, and escalating these concerns to the Risk and Compliance Office for further action.

QUALIFICATIONS & EXPERIENCE

• University Degree in a Business/Sales/IT Related Field - Minimum 2nd Class Honors
• A master's degree qualifications will be an added advantage.
• A professional qualification in IT or project management field is an added advantage.
• Minimum of 5 years of experience in Digital/Transaction banking/Cash management product Development/management role.
• Relevant certifications (Sales and Project Management) are a plus.

SKILLS, KNOWLEDGE & COMPETENCIES

• Proficient in Ms Office Suite – Ms Word, Power Point, Ms Visio, Ms Excel, Ms Access etc.
• Strong Understanding of Digital and Cash management products including Mobile Banking, Internet banking, Host to Host Integration, Digital Leding and Card Business
• Excellent problem-solving and troubleshooting skills.
• Strong communication and collaboration abilities.

Performs routine administrative duties such as drafting correspondences, scheduling appointments, organising and maintaining data, as well as assisting internal and external stakeholdersResponsibilitiesAdministration

Produce, update, and provide best practice support on a wide range of Microsoft documents, databases, and other departmental systems.

Business Meetings/Events Arrangement

Schedule appointments, make arrangements for meetings and conferences, and organize travel plans, following instructions to ensure more senior colleagues or a senior executive make the best use of their time.

Correspondence

Prepare routine letters, email, minutes of meetings, and reports for approval by more senior colleagues or a senior executive.

Document Preparation

Prepare moderately complex documents using a variety of applications for technology devices, such as standard office software. Also responsible for gathering and summarizing data for reports.

Work Scheduling and Allocation

Design own monthly schedule and, if necessary, assign work to others in order to speed up office workflow and ensure high-priority tasks get done.

Data Collection and Analysis

Produce accurate reports for others by collecting data from a variety of standard sources and inputting it into standard formats.

Insights and Reporting

Extract and combine data to generate standard reports.

Budgeting

Monitor and analyze data using budgeting systems and protocols.

Personal Capability Building

Develop and maintain excellent process or technical skills by participating in assessment and development planning activities as well as formal and informal training and coaching.

Operational Compliance

Develop working knowledge of the organization's policies and procedures and of regulatory codes and codes of conduct relevant to own work, adhering to mandatory procedures to ensure own work is undertaken to the required standards.

Procurement

Support others by carrying out simple procurement tasks. Involves following established procedures.

Skills

Accounting, Action Planning, Budget Management, Calendar Coordination, Computer Literacy, Data Analysis, Database Reporting, Data Compilation, Data Interpretations, Executing Plans, Financial Acumen, Management Reporting, Numerical Aptitude, Oral Communications, Report Review

Competencies

Directs WorkDrives ResultsEnsures AccountabilityManages ComplexityOptimizes Work ProcessesPlans and AlignsTech Savvy

Education

Bachelor Of Adminstration: Business

Closing Date

30 October 2025 , 23:59

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