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To research, design, and data-driven enhancement of Mobile Financial Services and VAS solutions by translating market insights, stakeholder feedback, and user behavior into innovative, compliant, and high-performing digital products.

Product Strategy & Development

• Lead the research, design, and enhancement of Existing Products and New VAS (Value-Added-Services) including Bulk Disbursement, B2B QR Payments, B2B E-commerce Enablement, and Loyalty Programs.
• Translate market intelligence, stakeholder insights, and user feedback into product concepts and improvement roadmaps.
• Ensure all new and existing Products align with business strategy, regulatory requirements, and evolving customer needs.

Market Research & Stakeholder Engagement

• Conduct structured research to gather internal stakeholder feedback, operational insights, and partner recommendations.
• Identify external market trends, customer pain points, and emerging fintech opportunities to support innovation initiatives.
• Facilitate product discovery workshops with cross-functional teams to validate requirements and solution approaches.

Internal/External Coordination

• Collaborate with technology, operations, compliance, and commercial teams to support seamless solution integration and service rollout.
• Monitor partner performance and ensure adherence to service level agreements (SLAs) and service quality standards.
• Build and maintain strong partnerships with private sector organizations, fintech companies, and service providers.

Operational Oversight

• Coordinate cross-departmental efforts to resolve technical or process issues impacting service delivery.
• Develop and maintain SOPs, operational workflows, and escalation frameworks for each service segment.
• Oversee the day-to-day operations of live products to ensure service stability, operational efficiency, and minimal downtime.

Data Analysis & Performance Monitoring

• Analyze transaction data, user behavior patterns, feature adoption, and service performance metrics.
• Track key indicators such as transaction volumes, system uptime, customer activity, and revenue performance.
• Generate data-driven insights and recommend product enhancements, growth strategies, and optimization initiatives.

Governance & Compliance

• Ensure all solutions operate in compliance with internal policies, regulatory requirements, and risk management standards.
• Collaborate with relevant units to assess operational, technical, and reputational risks for new product initiatives.

People & Resource Management

• Lead and mentor Business Solutions Supervisors to maintain high performance, collaboration, and professional development.

Support effective resource planning and cost-efficient operational management within the department.

• Bachelor’s or Master’s degree in Business Administration, Information Systems, Computer Science, Data Analytics, Finance, or a related field.
• Minimum 5 years of experience in FinTech, Mobile Financial Services, digital payments, or digital product development.
• Ability to analyze user behavior and performance data to support data-driven product improvements for mobile apps or digital service platforms.
• Strong academic foundation in digital product development, data analysis, market research, or financial technology is preferred.
• Additional certifications in Product Management, Data Analytics, Agile/Scrum, or Digital Transformation are an advantage.