About the role
- Formulate and execute the product strategy and roadmap for digital and conventional cross border payment products and products aligned with overall banking objectives.
- Monitor market trends, fintech innovations, competitor offerings, and customer behavior to identify new cross border payment and product opportunities.
- Drive customer-centric innovation, introducing new cross border payment capabilities, API integrations, and digital checkout solutions.
- Collaborate closely with IT, Operations, Digital Channels, Risk and Compliance, and Vendors to deliver payment initiatives on time and within budget.
- Optimize cross border payment user flows and channels (Mobile Banking, Internet Banking, Merchant POS, Gateways) to enhance transaction completion rates and user experience.
- Drive transaction volume, active user growth, merchant adoption, and fee-based revenue across assigned cross border payment products.
- Work with Marketing, Sales, and Branch Banking teams to craft go-to-market strategies, promotional campaigns, and merchant acquisition plans.
- Establish product pricing structures, interchange/fee models, and profitability targets.
- Ensure all cross-border payment products and products comply with central bank regulations, payment card industry standards, AML/CFT guidelines, and internal risk policies.
- Conduct regular cross border payment products and product reviews, performance result, and risk assessments.
- Perform other tasks assigned by the line manager.
Requirements
- Bachelor’s degree or master’s degree in Finance and banking, or a related field.
- 5+ years of experience in product management or development within banking, cross border payment, fintech, payment gateways, or digital wallet ecosystems.
- Understanding of payment rails (Ripple, SWIFT, ISO 20022, Real-Time Payments/NCS, Open Banking APIs, Card Schemes, QR Code Standards).
- Experience in product development, process/SOP improvement guideline.
- Strong knowledge of cross-border payment product, commercial banking products, and cross-border remittances.
- Exceptional stakeholder management, Agile methodology, data-driven decision making, and strategic writing skills.
- Strong stakeholder management, data analytics, problem-solving, and executive presentation skills.
- Strong at time management and problem-solving skill.
Required Skills
Product ManagementProduct DevelopmentCross Border PaymentFintechPayment GatewaysDigital Wallet EcosystemsPayment RailsRippleSWIFTISO 20022Real-Time Payments/NCSOpen Banking APIsCard SchemesQR Code StandardsSOP ImprovementCommercial Banking ProductsCross-border RemittancesStakeholder ManagementAgile MethodologyData-Driven Decision Making
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