Personal Deposit Product Manager

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Description

Job Responsibilities 1. Product Strategy and Management • Formulate and implement strategies to grow the Bank’s personal deposit portfolio (savings, current, and Time deposits) in line with business objectives. • Continuously enhance deposit products to improve competitiveness and customer satisfaction. • Conduct market research to track industry trends, benchmark competitors, and identify opportunities for innovation. • Propose and manage product enhancements, rate structures, and campaigns to support customer acquisition and retention. 2. Portfolio and Performance Management • Monitor the performance of the personal deposit portfolio, including balance growth, profitability, and cost of funds. • Analyze customer behavior, deposit structure, and pricing effectiveness to support business decisions. 3. Pricing and Cost Optimization • Manage deposit pricing in line with market conditions, interest rate movements, and internal funding strategy. • Prepare pricing proposals and rate adjustment recommendations for management approval. • Ensure balance between competitive rates, customer needs, and the bank’s profitability goals. 4. Marketing, Promotion, and Channel Coordination • Collaborate with the Marketing team to plan and execute deposit campaigns and promotions. • Work closely with branch, digital banking, and relationship managers to drive deposit growth and cross-sell opportunities. 5. Compliance, Risk, and Operations • Ensure all deposit products and marketing materials c

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