About the Role
We are seeking a strategic and results-driven E-Business Manager to lead the growth, operational excellence, and product delivery across the Bank’s entire digital portfolio. This role sits at the intersection of product management, operations, and partnerships, with full responsibility for delivering scalable, secure, and profitable digital banking solutions. You will function as the Product Owner for all electronic and alternative banking channels, including *Mobile Banking, USSD (961#), Debit Cards, POS, Agency Banking, PayDirect, and Internet Banking. You will be instrumental in supporting the Bank’s transition from a traditional branch-led model to a digital-first microfinance institution.
Key Responsibilities
Strategy & Commercial Growth
- Channel Strategy: Define and execute the e-business strategy across all digital and alternative banking channels to drive active users, transaction volumes, and fee income.
- Commercial Ownership: Drive adoption and transaction volume across all channels, setting clear commercial targets, and performance metrics.
- Market Expansion: Identify market opportunities for Agency Banking and merchant acquisition, prioritising initiatives based on business value and growth objectives.
- Partnership Management: Negotiate commercial terms and SLAs with NIBSS, Interswitch, card schemes, aggregators, and OEMs.
Product Ownership & Delivery
- Lifecycle Management: Own the full lifecycle of e-business products, from ideation and design to launch, optimisation, and retirement.
- Agile Execution: Lead end-to-end delivery of initiatives (Mobile/USSD enhancements, POS deployments, Card services) by breaking large projects into phased, deliverable components.
- Integration Coordination: Work with cross-functional teams to ensure seamless integration between the Core Banking Application (CBA) and alternative delivery channels.
Agency Banking, POS & Merchant Acquiring
- Network Scaling: Lead agent and merchant onboarding programmes, scaling the Bank’s Agency Banking and POS footprint.
- Field Support: Recruit and manage Field Support Officers (FSOs) to ensure terminal uptime, liquidity management, and agent performance.
- Collections Platforms: Manage the pipeline and integration for PayDirect and other bulk disbursement/collection solutions.
Operations & Performance Management
- Platform Stability: Oversee daily operations and monitor operational KPIs to ensure maximum uptime, success rates and seamless transaction processing across all digital touchpoints.
- Process Improvement: Define and redesign workflows for Card Management (CMS), including instant issuance and hotlisting, and automate reconciliation processes.
- Dispute Resolution: Ensure timely resolution of customer disputes and failed transactions in line with agreed turnaround times (SLAs).
Regulatory, Compliance & Risk Management
- Regulatory Liaison: Serve as the primary contact for the CBN, NIBSS, and other industry bodies; manage monthly reporting, license renewals, and audits.
- Fraud & Risk: Collaborate with Risk and IT teams to monitor fraud trends, cybersecurity vulnerabilities, and ensure all channels comply with KYC, NDPR and AML standards.
- Documentation: Maintain rigorous controls and documentation required for regulatory reviews and internal audits.
Technology, Data & Leadership
- Data-Driven Decisions: Use qualitative and quantitative data to monitor user behaviour, session completion rates, and channel profitability.
- Team Leadership: Recruit, mentor, and manage e-business, operations, and support teams; foster a culture of accountability and continuous improvement.
Key Achievements Expected
- Growth Targets: Drive a 50–70% uplift in transaction volumes and merchant adoption within the first year.
- System Efficiency: Implement Agile and automated practices to reduce time-to-market and improve delivery predictability.
- Product Launch: Execute the rollout of new features within budget and timeline.
- Compliance: Maintain a 100% success rate in regulatory audits and mandatory reporting.
Requirements
- Education: Bachelor’s degree in Computer Science, Information Technology, Finance, or Business Administration; MBA or relevant certifications (e.g., MCP, PMP, Digital Product Management) preferred.
- Experience: 5–7 years of relevant experience in a commercial or microfinance bank, with a proven track record in managing POS/Merchant Acquiring, USSD architecture, Mobile Apps, and Card Services.
- Technical Knowledge: Deep understanding of the Nigerian payments landscape, including NIBSS (NIP, SIP, ARMS) and switching infrastructure.
- Regulatory Expertise: Demonstrated experience navigating CBN regulations and e-payment frameworks.
Key Skills & Competencies
- Product Ownership: Strong ability to balance user-centric design with commercial viability.
- Analytical Thinking: Mastery in troubleshooting complex transaction failures and latency issues.
- Stakeholder Management: Ability to manage high-level relationships with vendors, regulators, and internal executives.
- Execution Bias: A proactive approach to turning technical solutions into measurable business value.
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