Product Manager - Digital Banking

Description: To lead the strategy, product vision, and execution for digital channels. The role is accountable for digital adoption, platform scalability, operational excellence, security, and regulatory compliance across Mobile and Internet Banking.

Key Responsibilities:

1. Digital Product Strategy & Vision:

- Define and own the long-term vision and roadmap for digital channels

- Drive mobile-first and omnichannel digital banking strategy

- Align digital initiatives with business objectives and regulatory requirements

- Benchmark against peer banks, fintechs, and industry best practices

2. Product Leadership & Governance:

- Lead the end-to-end product lifecycle for Mobile (Android & iOS) and Internet Banking

- Establish governance for prioritization, release planning, and change management

- Review and approve PRDs, business cases, and strategic initiatives

- Ensure scalability, resilience, and performance of digital platforms

3. Digital Adoption & Channel Migration:

- Drive growth in active digital users and transaction volumes

- Increase migration of transactions from branch and assisted channels to digital

- Enable comprehensive digital self-service and servicing capabilities

- Monitor adoption trends and continuously improve channel effectiveness

4. Technology, Security & Compliance:

- Partner with Technology, Information Security, Risk, and Compliance teams

- Ensure adherence to RBI guidelines, cyber security frameworks, and data privacy norms

- Oversee VAPT, incident management, fraud controls, and risk mitigation

- Manage app store compliance, regulatory inspections, and internal audits