Job Description
KNOWLEDGE, SKILLS & EXPERIENCE REQUIRED
- Minimum of a first degree from a recognized university; advanced training or certification in Banking, Finance, or Digital Product Management is an advantage.
- Strong understanding of the Ghanaian banking landscape, with emphasis on retail asset products, digital lending, and evolving customer trends.
- Minimum of 5 years’ experience in product management and/or business development within a banking environment.
- Hands‑on experience in sales and operations management, with proven ability to drive asset product uptake and portfolio growth.
- Demonstrated knowledge of product development cycles- from conception and design to launch, monitoring, and lifecycle optimization.
- Ability to analyze complex data, market trends, and customer behavior to make informed, commercially sound decisions.
- Excellent written and verbal communication skills for effective collaboration and customer engagement.
- Strong team‑building, coaching, and interpersonal skills to foster high‑performing product teams.
- Proven ability to collaborate with technology teams, integrate innovative digital solutions, and build partnerships with Fintechs and development partners to evolve products and deliver customer value.
- Ability to understand customer needs, preferences, and feedback to design products that enhance satisfaction.
- Detailed working knowledge of Fidelity Bank Credit Policy and operational procedures, and regulatory standards to ensure compliance across all asset products.
- Familiarity with banking regulations and compliance standards, ensuring all products adhere to legal requirements.
- Strong problem‑solving skills to address challenges related to product development, customer issues, and market shifts.
- Thorough knowledge of Fidelity Bank Retail Banking products and digital services.
- Good understanding of product profitability drivers to ensure focused analysis and sustainable growth.
- Proficiency in Microsoft Word, Excel, PowerPoint, and Access, with advanced Excel and database skills as an added advantage.
Competencies
- Planning and Analytical ability
- Communication and Presentation skills
- IT Navigation expertise – Superior proficiency in Excel, Access, and PowerPoint, with advanced data handling and visualization skills.
- Technology Integration: Skillful in integrating tech for product enhancement.
- Digital Innovation – Proven skill in applying digital advances, including digital lending solutions and fintech collaborations.
- Personal Organization – Strong self‑management, prioritization, and structured execution.
- Inspiring Business Performance – Capability to motivate teams and drive high performance across product portfolios.
- Achieving Business Performance – Track record of delivering measurable growth, profitability, and market competitiveness.
- Operational Understanding – Solid grasp of retail banking operations, governance, and compliance frameworks.
KEY RESULT AREAS
Data & Performance Analysis
- Planning and analytical ability to interpret complex asset product data
- Tracking product performance (uptake, profitability, utilization) across branches
- Supporting Sales & P&L reporting with accurate asset product insights
- Feeding analytical outputs into STP/MTP planning cycles
- Monitoring monthly account openings and customer acquisition by product and branch
- Supporting productivity analysis for loan applications and asset product recruitment
Product Development & Innovation
- Developing innovative asset products aligned with customer needs and market demand
- Enhancing existing products based on feedback and market trends
- Driving product growth and market penetration strategies
- Ensuring compliance with regulatory standards and updating products accordingly
Digital Integration & Technology Collaboration
- Leading integration of digital solutions to enhance asset product experiences
- Leveraging emerging technologies for product innovation
- Collaborating with technology teams for seamless digital deployment
- Coordinating with internal departments to embed asset products into the bank’s ecosystem
Cross-Functional Collaboration & Market Engagement
- Partnering with marketing, sales, and technology teams for product launches and promotions
- Aligning asset product strategies with broader Retail Banking objectives
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