- Formulate appropriate product strategy, develop the product proposition for each product that is compelling and well communicated to the sales team. - Manage the end-to-end development of new products or services. - Manage and validate the financial services policies and procedures to ensure that they comply with law/regulations, having enough risk protection tools, comprehensive, competitive and timely developed. - Oversee the feedback collection analysis and give recommendations for ensuring the smoothness of policies and procedures implementation and product modification. - Identify future innovations and build commercial propositions based on understanding of future market dynamics and developments in financial market, technology and digital solutions. - Enhance existing and develop the new products that meet the changing needs of customer demands and expectations. - Monitor and track performance of each product, identify gaps and recommendation for further improvement to meet customer needs/expectations. - Manage and maintain the business partner relationship for further enhancing the business performance. - Explore new partnership opportunity to drive the growth of the business. - Ensure succession plan is in place for key roles and the identified successors have proper development plan.

- Academic qualification (Master Degree) in the field of finance and banking and business management. - Minimum 5 years of professional experience of product/business development (including policies and procedure development) in financial institutions, esp. banks/MFIs. - Minimum 3 years of experience in management (projection management and team leadership) level in financial institutions, esp. banks/MFIs.