Product Manager

Job description / Role

- Develop, launch and manage entire Retail Assets products (Personal, Mortgage, Credit Card & Auto) for National and Expat segments. Extend product propositions to new segments.
- Develop and implement strategies and marketing initiatives to grow portfolio and gain market share.
- Drive development and acquisition strategies of direct sales and branch and alternate channels for acquiring and cross-selling.
- Support in implementing the overall retail lending strategy and annual plan to achieve targeted sales and revenue figures.
- Increase portfolio size and quality to focused product sales and retention leading to improved portfolio profitability and earnings.
- Interface with Credit, Sales, Ops, CCRD, and IT for product enhancements and training of frontline and Credit Policy on policy changes, documentation and planned campaigns.
- Interface with sales channels (DS, branches, Tele-Sales) to develop/ improve channels of sourcing and servicing customers.
- Timely and effective roll out of marketing communications and promotions.
- Enhance customer service through tracking sales and Credit performance vs. agreed standards.
- Qualitative and Quantitative analysis of portfolio and sales performance, to identify specific issues/ gaps, fix unprofitable products and develop strategies to capitalize on opportunities.
- Tracking and analyzing TATs in terms of acquiring, approvals and disbursements.
- Resolve issues with sales and credit underwriters to help in achieving sales goals.
- Ability to analyze drivers of product profitability and to model prospective profitability of new and enhanced offerings.
- Design and develop revenue models for campaigns, joint-promotions, co-branding, bundling and guidelines to IT on product related data-mining.
- Carrying out independent market intelligence function as an ongoing program throughout the year.
- Identifying problems with existing policy and propose solutions.
- Perform any other duties or responsibilities consistent with the role as assigned by management.

Requirements

- Bachelor's Degree.
- 6 - 8 years extensive experience in Product Management.
- Strong understanding of profitability drivers and market development across the various product life cycle stages.
- High level of analytical skills and ability to understand scientific marketing techniques including surveying and statistical analysis in marketing program development.
- Ability to manage, motivate and develop product management team and lead cross functional project teams.
- Familiarity with banks operations, sales and support environments and a strong customer focus.
- Excellent oral and written communication skills.
- To have a strong personality and ability to impress.
- Patience and calmness when working under pressure.

About the Company

Founded in 1991, Commercial Bank International is an award winning full-service commercial and retail bank offering simple and easy-to-understand products and services.

Our aim is to attract, develop and retain the very best people by offering a motivating and inclusive workplace where talent is recognized and developed. At CBI we will give you the opportunities you need to get more from your job. We'll help you grow and progress by acknowledging your talent, and rewarding you well. In return you'll give us your energy, enthusiasm and the drive to deliver results.

That way, we all have a promising future.