Job Purpose

Supervise the development and management of liability programs and products for different customer segments by identifying customer and market needs, managing the product lifecycle from concept to launch and continuous improvement, enhancing customer value and profitability, and supporting the Bank’s strategic objectives and competitiveness.

Key Responsibilities

• Develop and manage assigned liability programs and products in line with the Bank’s strategy and approved plans.
• Analyze customer needs, behavior, market trends, and competitor offerings to identify opportunities for new or enhanced products and programs.
• Manage the full product lifecycle, including concept development, business requirements, design, development, launch, performance monitoring, and continuous improvement.
• Coordinate with Segment Development, Marketing, Operations, IT, Digital Channels, Compliance, Risk, branches, and other stakeholders to ensure effective and timely product implementation.
• Prepare or contribute to feasibility studies, business plans, budgets, profitability analyses, and performance reports, and recommend actions to improve results.
• Monitor key performance indicators, including portfolio growth, customer numbers, deposits, profitability, utilization, and sales performance.
• Propose initiatives to enhance product features, pricing, returns, loyalty programs, service delivery, customer experience, and profitability.
• Support marketing campaigns and prepare product-related marketing, awareness, and training materials, while monitoring campaign effectiveness.
• Gather and analyze feedback from customers, branches, and relevant stakeholders and recommend improvements to enhance customer satisfaction.
• Coordinate with external partners and service providers on joint initiatives and ensure effective implementation of related agreements.
• Ensure all activities comply with the Bank’s policies, procedures, delegated authorities, and applicable regulatory requirements.
• Review internal and external audit observations related to the function and ensure appropriate corrective actions are implemented.
• Participate as a primary or alternate member of the Business Continuity and Emergency Response teams and perform assigned responsibilities under the approved plan.

Requirements

• Bachelor’s degree in Business Administration, Banking, or a related field.
• Minimum 6 years’ experience in product development, program management, or banking marketing.
• Good knowledge of liability products, retail banking, the banking market, and competitor offerings.
• Good command of English, both written and spoken.
• Knowledge of the Bank’s policies, procedures, systems, and applicable Central Bank of Jordan regulations.
• Strong planning, organization, analytical, decision-making, communication, interpersonal, persuasion, creativity, and problem-solving skills.