About the Role:
Lead the strategy, commercial performance, development, governance, and lifecycle management of the Wholesale Banking Group Payments and Cash Management portfolio. This includes Payments, Liquidity Management, Merchant Acquiring, and Payment Service Provider solutions. Your focus will be to ensure these products remain competitive, commercially viable, operationally effective, and aligned with client, regulatory, and business requirements.
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Principal Accountabilities:
- Define and execute the PCM product strategy across Payments, Liquidity, Merchant Acquiring, and PSP propositions.
- Develop and maintain a portfolio roadmap aligned with business strategy, market developments, client needs, and regulatory requirements.
- Own the full product lifecycle from concept, approval, and launch through enhancement, monitoring, and retirement.
- Manage product governance, inventories, pricing frameworks, documentation, controls, and performance measures.
- Drive commercial performance, including revenue growth, profitability, transaction volumes, deposit value, and cost optimization.
- Lead the development and enhancement of domestic and international payment solutions, liquidity products, and account-based services.
- Oversee merchant acquiring and PSP product propositions, including partner management, pricing, economics, and service performance.
- Develop client-centric solutions by collaborating with Coverage, Sales, and key stakeholders to address evolving transaction banking needs.
- Prioritize and govern product change initiatives, business cases, investment decisions, and product roadmaps.
- Maintain front-to-back ownership of product effectiveness, client experience, operational efficiency, and service quality.
- Manage product risks, controls, governance requirements, and remediation activities in partnership with control functions.
- Build strategic partnerships with payment schemes, fintechs, processors, gateways, and infrastructure providers.
- Lead and develop a high-performing PCM product management team.
Requirements:
- Significant experience in transaction banking and Payments & Cash Management product leadership within wholesale or corporate banking.
- Strong expertise across payments, liquidity management, collections, merchant acquiring, PSP solutions, account services, and digital transaction banking.
- Demonstrated experience managing product strategy, commercialization, lifecycle management, and financial performance.
- Proven track record developing business cases, investment roadmaps, and delivering large-scale product initiatives.
- Experience taking products from design through approval, implementation, launch, and adoption.
- Strong understanding of payment economics, pricing, deposits, transaction volumes, network costs, and operational cost-to-serve.
- Experience engaging senior stakeholders, coverage teams, and clients on complex transaction banking solutions.
- Sound knowledge of product risk, financial crime, regulatory change, information security, outsourcing, and operational resilience requirements.
- Experience leading cross-functional teams and product management functions.
- Bachelor’s degree in Finance, Business, Economics, Technology, Engineering, or a related discipline.
- Postgraduate, MBA, treasury, payments, or cash management qualifications are preferred.
