Assistant Manager Product - Consumer Financing

Assistant Manager Product - Consumer Financing

The Assistant Manager Product - Consumer Financing will play a vital role in supporting the development, enhancement, and management of the Bank’s consumer financing portfolio. This includes products such as Personal Finance, Auto Finance, Home Finance, Buy Now Pay Later (BNPL), and employer-program financing solutions. The position involves assisting with product development, optimizing digital customer journeys, conducting business analysis, supporting User Acceptance Testing (UAT), ensuring product governance, monitoring performance, and implementing customer-centric financing solutions. All activities will align with the Bank’s retail banking strategy, Shariah principles, and regulatory requirements.

Key Responsibilities

- Support the management of consumer financing products throughout their lifecycle.
- Gather, document, and analyze business and customer requirements to inform product enhancements.
- Prepare comprehensive business requirement documents, user stories, process maps, and functional specifications.
- Assist in enhancing customer journeys across Personal Finance, Auto Finance, Home Finance, and BNPL products.
- Coordinate product implementations with cross-functional teams including Technology, Operations, Risk, Compliance, and Shariah.
- Participate actively in Agile ceremonies such as sprint planning, backlog grooming, and release activities.
- Support User Acceptance Testing (UAT), business validations, and ensure readiness for product launches.
- Monitor product performance by analyzing financing volumes, customer adoption, and utilization trends.
- Conduct market research and competitor analysis to identify new product opportunities and improvements.
- Support the development of employer-based financing programs and digital financing initiatives.
- Assist in preparing product performance reports, dashboards, and presentations for management.
- Coordinate necessary approvals from Risk, Compliance, Legal, Operations, and Shariah teams.
- Contribute to the development of product policies, procedures, and program frameworks.
- Analyze customer feedback and financing performance data to recommend improvements.
- Ensure all products comply with State Bank regulations, internal policies, and Shariah principles.
- Support product launches, communication plans, and stakeholder engagement activities.

Required Qualifications

- Bachelor’s degree in Business Administration, Finance, Banking, Economics, Accounting, Information Systems, Engineering, or a related discipline.
- Minimum of 3 to 5 years of relevant experience in Consumer Finance, Product Management, Business Analysis, Retail Banking, Digital Financing, Fintech, or Consumer Banking Operations.
- Strong understanding of product lifecycle management, business analysis, and customer journey mapping.
- Proficiency in Agile and Scrum methodologies, UAT planning and execution, and product analytics.
- Familiarity with regulatory and compliance requirements related to consumer financing products.
- Competence in tools such as MS Excel, Power BI, Jira, and Confluence.
- Excellent stakeholder management and communication skills.

Preferred Qualifications and Additional Information

- Experience in Islamic Banking and digital financing environments is considered an advantage.
- A Master’s degree in a relevant field is preferred.
- The Bank is committed to equal opportunity employment and encourages applications from all qualified individuals, including Persons with Disabilities (PWDs).
- The role offers the opportunity to work in a dynamic and inclusive environment focused on innovation and customer-centric solutions.

Applications are invited until October 16, 2026.