Experience
- At least 8 years
- The applicants should have experience in the following business area(s): Banks
Education
- Masters
- Bachelor/Honors
Requirements
- At least 8 years
- The applicants should have experience in the following business area(s): Banks
Skills Required
Additional Requirements
- Age 30 to 50 years
No third class/division in any academic record.
Minimum 8 years of progressive experience (FAVP to SVP level) in Retail Banking and Product Management with a reputed commercial bank, preferably in a Head of Retail Products or equivalent role.
Senior-level banking professional with a proven track record in end-to-end retail product management, with deep functional knowledge of retail deposit, loan and card products.
Experience in product design and development, pricing, and launching new retail products in line with market needs.
Experience in building strategic partnerships with corporate, merchants and other institutions to support product growth.
Experience in Retail product development and market strategies.
Responsibilities & Context
Product Strategy & Development:
Develop and implement the retail product strategy, aligned with the bank’s business goals, to drive sustainable growth in both assets and liabilities.
Design, launch and enhance retail products across deposits (CASA, Term Deposit, DPS, Payroll, Student and Women Banking), loans (Personal, Auto, Home, SME-retail) and cards.
Study market trends, competitor offerings and customer needs in Bangladesh to identify opportunities and strengthen the value proposition.
Re-engineer existing products to improve profitability, competitiveness and customer experience.
Develop pricing, fee structures and product programs that balance market share, margin and cost.
Product Management & Performance:
Own the full product lifecycle, from concept and approval to launch, review and discontinuation.
Monitor product performance, profitability and portfolio quality, and take corrective action where needed.
Prepare product programs, process flows and SOPs, and keep them updated.
Work with Sales, Digital Banking, Marketing and Operations to drive product uptake across branches and channels.
Develop partnerships with corporate, merchants and other institutions to support product growth.
Support digital and alternative channel strategies for product delivery and customer acquisition.
Risk, Compliance & Governance:
Ensure all products comply with Bangladesh Bank regulations, applicable laws, internal policies and approved risk parameters.
Obtain required approvals before product launches and changes.
Work closely with Credit Risk Management, ICC, Compliance, Legal and IT.
Team Leadership & Reporting:
Lead, mentor and develop the Retail Products team.
Prepare regular reports on product performance, market insights and competitor analysis.
Present performance and recommendations to Top Management/SMT.
Job Other Benifits
- Provident fund,Mobile bill,Credit card,Gratuity
- Festival Bonus: 2
Boishakhi Bonus
Furniture Allowance