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Product Strategy & Design

• Develop and implement product strategies aligned with DAWN’s business objectives.
• Design, develop, and enhance products using a customer‑centric approach.
• Identify new product opportunities and prepare roadmaps, business cases, and implementation plans.
• Conduct market research, competitor analysis, and customer surveys to identify trends.
• Recommend product innovations and enhancements based on customer needs.
• Prepare product proposals and feasibility studies for management approval.

2. Product Development & Lifecycle Management

• Lead end‑to‑end product lifecycle management from concept to closure.
• Coordinate cross‑functional teams for design, testing, launch, and monitoring.
• Lead pilot testing and evaluate results for product adjustments.
• Monitor product performance and continuously improve features and processes.
• Maintain accurate and updated product documentation.
• Analyze business trends and recommend growth strategies.

3. Lending Product & Policy Management

• Develop, review, and update all products; Group Lending (GL) and Individual Lending (IL) policies, manuals, savings products and guidelines.
• Review and recommend policy changes based on market conditions and portfolio performance.
• Coordinate policy discussions with all stakeholders.
• Research market information to be updated and present proposed revise to Operations Management
• Ensure consistent product implementation across branches.
• Provide guidance to branch staff on product policies and procedures.

4. Savings Product & Team Management

• Lead management and improvement of all savings and deposit products.
• Monitor portfolio growth, performance, customer satisfaction, and profitability.
• Develop new savings products and revise existing ones based on demand.
• Ensure smooth operational implementation at branch level.
• Provide technical guidance to the Savings Team and branch staff.
• Supervise, coach, and develop the Savings Team with clear targets and reviews.
• Coordinate teamwork plans, field visits, and budgets.

5. Compliance & Risk Management

• Ensure compliance with internal policies, regulatory requirements, and industry standards.
• Identify product‑related risks and recommend mitigation measures.
• Establish and implement appropriate controls and procedures.
• Coordinate with Audit, Risk, and Compliance teams to address findings.
• Ensure adherence to information security and legal regulations.

6. Marketing & Business Development Support

• Collaborate with Marketing to design campaigns and promotional activities.
• Support customer acquisition, engagement, and retention initiatives.
• Monitor distribution of promotional materials at branches.
• Coordinate product awareness and financial literacy programs.

7. Administrative & Resource Management

• Manage product‑related budgets and ensure efficient resource use.
• Monitor stock levels of product documents and materials.
• Coordinate procurement requests for product implementation and promotions.
• Ensure timely availability of forms, manuals, and operational materials.

• Bachelor’s degree in business administration, Finance, Economics, Banking, Marketing, or related field (Master’s preferred).
• Minimum 5 years of experience in banking, microfinance, product development, or operations.
• At least 2 years of supervisory or management experience.
• Strong knowledge of microfinance products, lending methodologies, and savings products.
• Proven experience in product development and policy/manual creation.
• Strong working knowledge of digital solutions and technology.
• Must be strong communication skills with each level of employee across the organization.
• Fluent English speaking and writing skills will be a strong preference.