Digital Banking Business Operating Model / Product Lead

The Digital Banking Business Operating Model Lead will define the future-state business operating model for digital banking products and customer journeys while serving as the primary business counterpart to technology vendors.

This role will help accelerate business decision-making currently constrained by limited SME availability and fragmented product ownership.

The individual must bring deep banking operations and digital product expertise while working hands-on with business stakeholders to rapidly finalize operational and product decisions.

Key Responsibilities

Business Operating Model Design

Design future-state operating model for:

• Digital customer onboarding
• Payments processing
• Domestic transfers
• International transfers
• Account servicing
• Customer self-service channels

Product Ownership

Define business product decisions across:

• Customer onboarding journeys
• Account opening workflows
• Digital payments journeys
• Beneficiary management
• Transfer approvals
• Payment limits and controls

Vendor Business Coordination

Act as primary business counterpart to:

• CR2 Digital Banking Team
• Finastra Core Banking Team
• Payments integration vendors

Business Decision Acceleration

Drive decisions on:

• Customer journey design
• User experience flows
• Product rules and eligibility
• Operational ownership model
• Exception handling processes

Process Transformation

Design future-state business operating processes for:

• Retail banking operations
• Payment operations
• Customer servicing model
• Operational controls framework

Required Experience

• 10+ years banking operations or digital banking product management experience
• Deep knowledge of:
• Retail Banking Operations
• Digital Banking Channels
• Customer Onboarding
• Payments Operations
• Banking Product Management

Preferred Experience

• Digital banking transformation programs
• Experience working with digital banking platforms