Job Summary

• The Head of Products and Technology provides strategic leadership in aligning technology and product innovation with the bank’s objectives. The role ensures a secure, efficient IT infrastructure while driving customer-centric digital banking solutions. It oversees the full product lifecycle from ideation to delivery, ensuring seamless integration with technology platforms. Working cross-functionally, the role enhances customer experience, regulatory compliance, and sustainable business growth.

Job Details

• Defining Product & Technology Strategy, Vision, and Roadmap
• Define and execute the bank’s product and technology strategy in alignment with its vision, mission and strategic goals.
• Align stakeholders around a shared vision that integrates customer-centric products with robust, secure technology platforms.
• Develop enterprise IT architecture and product roadmap that balance innovation, growth, scalability, risk management and cost efficiency.
• Customer & Market Insight
• Engage closely with customers, partners and other stakeholders to understand financial service needs, behaviors, emerging trends and opportunities in the financial services sector.
• Translate insights into innovative digital financial products that drive adoption, customer acquisition, loyalty, and revenue growth. Product & Technology Delivery
• Oversee the end-to-end lifecycle of digital banking products, from ideation to launch, ensuring seamless integration with core banking systems and delivery channels (mobile, USSD, POS, branches, and agent networks).
• Manage and prioritize product and technology backlogs to ensure timely delivery of high-impact features and solutions.
• Ensure reliable, scalable, and secure IT infrastructure, with 99.9% uptime for core banking applications, digital channels, and customer support systems.
• Manage IT procurement, vendor relationships, and technology partnerships to deliver cost-effective and high-quality solutions Risk, Compliance & Security
•  Ensure products and technology platforms comply with CBN regulations and all applicable internal policies and global standards.
• Embed fraud prevention, data privacy, and cybersecurity controls into product design, IT systems, and customer interactions.
• Work with Risk Management, Internal Control, and Compliance teams to mitigate technology and operational risks.
• Cross-Functional Leadership & Business Support
• Collaborate with credit, operations, business development and finance teams to enhance product performance, operational efficiency, customer experience and revenue growth.
• Advise the Board and Executive Management on product innovation and technology investments that strengthen the bank’s competitiveness.
• Drive strategic initiatives that expand access to financial services, improve service delivery, and position the bank as a leader in digital microfinance.
• Build and manage strategic vendors and partner relationships (fintechs, telcos, agent networks, switches and solution providers) to scale products and services.

Requirements

Behavioural

•  Achievement (Level 4/4)
• Analytical Thinking (Level 4/4)
• Customer Service Orientation (Level 4/4)
•  Entrepreneurship (Level 4/4)
• Flexibility (Level 4/4)
• Holding People Accountable (Level 4/4)
• Intercultural Competence (Level 4/4)
• Leading and Developing Others (Level4/4)
• Professional Confidence (Level 4/4)
• Relationship Building for Influence (Level 4/4)
• Self-Awareness (Level 4/4)
• Team Working (Level 4/4)
• Working Strategically (Level 3/4)
• Communicating Effectively (Level 3/4) 

Technical 

• Strategy (Level 4/4)
• Coaching and Mentoring (Level 3/4)
• Driving Performance (Level 4/4)
• Market and Regulatory Environment (Level 3/4)
• Negotiation and Decision-making (Level3/4)
• Enterprise and Business Architecture – (Level 4/4)
• System Integration – (Level 4/4)
• Software Engineering – (Level 4/4)
• Business Acumen – (Level 4/4)
• Project Management – (Level 4/4)
• Product Management – (Level 4/4)
• Digital Banking/Fintech Knowledge – (Level 4/4)
• Operations Management – (Level 4/4)

Educational Requirements

• Bachelor’s degree from an accredited university
• MBA from an accredited university
• Professional certification in Agile Product Management and IT Service Delivery (ITIL).

Professional Requirements

•  Minimum of 10 years’ progressive experience in product management and technology leadership roles within a Microfinance Bank, Digital Bank, or Fintech.
• Proven track record of developing and scaling digital financial products and managing enterprise technology infrastructure

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