Director of Retail Product Management

Profil recherché

We seek a Head of Retail Products to assume full accountability for the bank’s product ecosystem, spearheading growth, fostering innovation, and ensuring market relevance across all retail offerings. You will oversee the development and implementation of strategies, as well as drive performance initiatives, for Retail Assets & Liabilities, Digital Banking, Cards, Bancassurance, Custodial Services, and Investment Services. In this role, you will focus on delivering robust commercial results while consistently enhancing the customer experience across all these areas. Ket Job Requirements: Product Strategy & Lifecycle Management Lead the strategic development and oversight of a comprehensive suite of banking products and digital services, including retail loans, mortgages, overdrafts, and government-backed schemes. Additionally, manage customer accounts such as CASA (Current and Savings Accounts), savings and term deposits, as well as digital banking channels encompassing mobile, internet, agency, and WhatsApp banking. Oversee card services, including debit, credit, and prepaid options, along with bancassurance offerings, custodial services, and investment solutions. Oversee the complete product lifecycle, encompassing ideation, launch, and ongoing optimization. Ensure all products are consistently aligned with the company’s strategic objectives, current market dynamics, and applicable regulatory standards to drive cohesive growth and compliance. Develop comprehensive business cases and financial models to evaluate and justify new initiatives, ensuring alignment with organizational objectives and financial sustainability. Business Growth & Financial Performance

• Drive growth across: Digital adoption rates and transaction volumes for loans and deposits, card usage metrics, issuance volumes, and fee income across various segments including investments, custodial services, and bancassurance are tracked and analyzed.
• Manage pricing, margins, and profitability

Localisation

• Enhance the balance sheet’s efficiency and reduce the cost of funds to improve financial performance. Develop and contribute strategic recommendations regarding pricing strategies, liquidity management, and portfolio allocation decisions. Deliver robust profit-and-loss outcomes consistently across every product portfolio. Sales Enablement & Partnerships Collaborate closely with Retail, Corporate, and Branch teams to enhance product adoption and utilization. Facilitate revenue growth by designing and executing targeted marketing initiatives, providing comprehensive training programs, and implementing strategic cross-selling techniques to enhance customer engagement and drive sales performance.

Expérience

• Develop and oversee strategic alliances with insurance providers, asset managers, custodians, fintechs, and payment networks. Customer Experience & Innovation
• Champion customer-first product design Leverage data-driven insights, analytical findings, and stakeholder feedback to systematically enhance and refine our product or service offerings. Spearhead transformative advancements in digital banking, card solutions, and investment offerings to enhance customer experiences and operational efficiency.
• Ensure seamless and intuitive customer journeys Digital & Channel Integration

Formation / Diplômes

• Lead digital transformation across product offerings Optimize delivery efficiency across diverse channels including mobile, internet, USED, and agency networks to ensure seamless and consistent user experiences.
• Oversee the cards ecosystem and partnerships Collaborate effectively with the ICT team to develop and maintain scalable, robust, and forward-thinking systems. Risk, Compliance & Governance Ensure meticulous adherence to all regulatory mandates, including Banking Operational Technology (BOT) protocols as well as Know Your Customer (KYC) and Anti-Money Laundering (AML) standards. Serve as the primary safeguard against potential product-related risks.
• Oversee operational, credit, fraud, and reputational risk exposures to ensure alignment with organizational policies and regulatory standards. Address audit findings diligently and execute corrective measures to resolve identified discrepancies and enhance operational compliance. Reporting & Insights

Autres informations

• Monitor and analyze critical product performance indicators, providing regular and detailed reports to stakeholders. Offer strategic perspectives and actionable analyses to senior leadership and key governance bodies to inform decision-making processes. Provide analytical support and prepare reports for the Asset and Liability Management Committee (ALSO), Product Committees, and the Board of Directors. Leadership & Team Management Develop and guide a top-performing product team to drive exceptional results and innovation.
• Coach, mentor, and develop talent
• Foster an environment characterized by accountability, ownership, and innovation. Competencies Required Professionals with deep proficiency in Retail and Digital Banking, Cards, Investments, and Bancassurance are required. Individuals should possess comprehensive knowledge of Tanzania’s banking sector and its regulatory framework. Demonstrated success in crafting and executing product strategies, fostering innovation, and overseeing the full product lifecycle from development to market maturity. Demonstrated proficiency in financial modeling, commercial strategy, and analytical thinking is essential for this role. Proficiency in digital ecosystems, fintech collaborations, and payment infrastructure is required. Demonstrates a steadfast commitment to customer satisfaction and places a strong emphasis on crafting exceptional user experiences.

Compétences requises

• Exceptional stakeholder management and communication skills
• Strong leadership and team development capabilities Qualifications and Experience A Bachelor’s degree in Business, Finance, Economics, or a closely related discipline is required. An MBA or another relevant professional certification would be considered a valuable asset. With a minimum of eight to ten years of experience in the banking sector, including at least five years in a Product Leadership role, the ideal candidate will bring a proven track record of strategic oversight and team leadership. Professional candidates will benefit from prior exposure to Digital Banking, Cards, Investments, or Bancassurance. I&M Bank Tanzania is committed to fostering an equitable and inclusive workplace, ensuring equal employment opportunities for all individuals irrespective of gender, age, disability, religion, or background. Upon submission of your application and documents, you agree to the gathering, handling, and utilization of your personal information for recruitment and selection processes under the relevant data protection laws. Only shortlisted candidates will be contacted. We invite you to spread the word by utilizing the social sharing icons provided below. Please upload your résumé and complete the application form via our corporate website by following this link. Closing Date : 15th June , 2026. Don’t miss the opportunity to explore the newest job openings in Tanzania—subscribe now to stay updated.