Product Manager

Digital Product (Artificial Intelligence - AI) Job Description Seeking an experienced Techno-Functional Product Manager / Business Analyst with strong expertise in Digital Banking, Payments, Cards, Lending, AI-driven Workflow Automation, and Banking Operations. The role involves driving digital transformation initiatives, defining business requirements, managing product roadmaps, and delivering customer-centric solutions across Consumer and Corporate Banking domains.

Key Responsibilities

• Gather, analyze, and document business and functional requirements for Digital Banking, Payments, Cards, Lending, and Customer Servicing platforms.
• Collaborate with business, operations, compliance, architecture, and technology teams to deliver digital transformation initiatives.
• Define product vision, roadmap, user stories, acceptance criteria, and business process flows.
• Lead AI-driven workflow automation and Straight Through Processing (STP) initiatives to improve operational efficiency and customer experience.
• Drive digitalization of customer onboarding, servicing, payments, lending, and operational workflows.
• Manage end-to-end product lifecycle from ideation, design, development, testing, deployment, and post-production support.
• Conduct market research, competitor analysis, customer journey mapping, and product performance reviews.
• Work on Digital Payment solutions including Digital Wallets, Tokenization, Contactless Payments, Bill Payments, and Merchant Solutions.
• Support implementation of ISO 20022, SWIFT MT103/MT202, and domestic payment processing solutions.
• Ensure compliance with AML, KYC, regulatory, audit, and operational risk requirements.
• Monitor project delivery, risks, dependencies, timelines, and business outcomes.

Skills & Experience

• 15+ years of Banking and Financial Services experience.
• Strong experience in Digital Product Management and Business Analysis.
• Hands-on experience in Consumer Banking and Corporate Banking.
• Expertise in AI-based workflow automation, process digitalization, and operational transformation.
• Strong understanding of APIs, system integrations, workflow orchestration, and enterprise architecture.
• Experience working in Agile environments with cross-functional global teams.
• Excellent stakeholder management, communication, and problem-solving skills.