Job Vacancies at Kingdom Bank Limited

Responsibilities

• Lead the design, development, enhancement, and lifecycle management of innovative Youth Banking products and value propositions across deposits, savings, payments, digital banking, lending, investments, insurance, and lifestyle solutions.
• Develop product concept papers, business cases, pricing proposals, financial models, and commercialization plans to support product approvals and successful market deployment.
• Manage the end-to-end product development process, including approvals, testing, pilot programmes, user acceptance testing (UAT), launch readiness, implementation, and post-implementation reviews.
• Drive continuous product innovation and proposition enhancement to improve competitiveness, customer experience, market relevance, and portfolio profitability.
• Develop customer progression pathways that support youth customers from transactional banking relationships to advanced savings, credit, investment, and wealth-building solutions.
• Conduct customer segmentation, market research, competitor analysis, customer journey mapping, and portfolio analytics to identify customer needs, market opportunities, and emerging trends.
• Translate customer insights, market intelligence, portfolio performance data, and stakeholder feedback into actionable product enhancements and growth initiatives.
• Design and implement youth empowerment programmes and value-added services through strategic partnerships and ecosystem collaborations to strengthen customer engagement, financial inclusion, retention, and portfolio growth.
• Establish and manage strategic partnerships with educational institutions, youth organizations, fintechs, employers, business support organizations, and development partners to enhance the Youth Banking value proposition and expand market reach.
• Monitor and report on product and portfolio performance indicators, including customer acquisition, account growth, balances, transaction volumes, revenue, profitability, engagement, retention, and utilization.
• Conduct regular portfolio reviews and recommend pricing adjustments, product enhancements, service improvements, and process optimization initiatives to drive sustainable growth and profitability.
• Support the achievement of Youth Banking business objectives through effective product management, market development initiatives, and customer acquisition strategies.
• Track the commercial performance and return on investment of product initiatives and recommend corrective actions to improve business outcomes.
• Ensure all Youth Banking products and services comply with regulatory requirements, internal policies, product governance frameworks, risk standards, and consumer protection principles.
• Maintain comprehensive product documentation, risk assessments, approvals, policies, procedures, and governance records throughout the product lifecycle.
• Collaborate closely with ICT, Operations, Risk, Compliance, Legal, Finance, Marketing, Branch Banking, Partnerships, and Business Development teams to deliver successful product and business initiatives.
• Develop and deliver product training, sales enablement materials, and stakeholder engagement programmes to support product adoption and execution across the Bank.
• Prepare management reports, portfolio reviews, business cases, and performance updates to support strategic decision-making and governance processes.
• Serve as the Bank’s subject matter expert on Youth Banking products, customer segments, market trends, and value propositions.

Qualifications

Academic Qualifications

• Bachelor’s Degree in Business Administration, Finance, Economics, Marketing, Banking, Statistics, or a related field.
• Professional qualifications in Product Management, Digital Banking, Marketing, Project Management, Customer Experience, or Financial Services will be an added advantage.

Experience

• Minimum of five (5) years’ relevant experience in product development, product management, proposition development, marketing, customer experience, business development, or retail banking.
• Proven experience in developing and managing customer-centric banking products and services.
• Demonstrated experience in market research, customer segmentation, portfolio analytics, and business case development.
• Experience in youth banking, digital financial services, ecosystem partnerships, or retail banking will be an added advantage.

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Responsibilities

• Portfolio growth: Develop and execute acquisition, onboarding, activation, engagement, cross-selling and retention plans for youth customers across physical and digital channels.
• Digital adoption: Drive active use of mobile and internet banking, cards, merchant and collection solutions, digital payments and self-service platforms.
• Relationship management: Build trusted relationships with youth customers, understand their financial needs, provide appropriate solutions and coordinate timely resolution of service issues.
• Customer proposition: Gather customer insights and work with product, technology, marketing and operations teams to design, test, launch and continuously improve youth-focused products, journeys and campaigns.
• Partnership development: Establish and manage commercially beneficial partnerships with universities, TVET institutions, schools, youth organizations, employers, fintechs, merchants and ecosystem partners.
• Sales and campaign execution: Maintain a qualified opportunity pipeline, coordinate activations and events, support lead conversion, and monitor campaign effectiveness and return on investment.
• Portfolio analytics: Track customer behaviour, deposits, transactions, digital activity, revenue, attrition and profitability; prepare actionable reports and recommend corrective measures.
• Financial capability: Design and coordinate relevant financial literacy, entrepreneurship and responsible digital banking programmes for young customers.
• Customer experience: Monitor service standards and customer feedback, identify journey pain points and champion improvements that increase satisfaction and loyalty.
• Risk and compliance: Ensure adherence to KYC, AML/CFT, data protection, consumer protection, fraud prevention, operational risk and internal policy requirements.
• Stakeholder coordination: Work closely with branches and relevant support functions to deliver agreed portfolio, service and strategic objectives.
• Market intelligence: Monitor youth trends, competitor offerings, emerging technologies and regulatory developments to identify opportunities and risks.

Qualifications

Education:

• Bachelor’s degree in finance, Banking, Business Administration, Economics, Marketing, Information Systems, Social Sciences or a related field. A relevant postgraduate qualification or MBA is an advantage.

Experience:

• At least 3 years’ relevant experience in banking or financial services, preferably in retail banking, relationship management, digital banking, product management, business development or youth/student market segments. Demonstrated experience delivering portfolio growth, partnerships, campaigns or digital adoption initiatives is desirable.

Technical and professional skills:

• Strong sales and relationship-management capability; commercial and financial acumen; data analysis and reporting; digital platform fluency; project and campaign coordination; negotiation and presentation skills; customer-experience management; and a working knowledge of banking regulation, KYC, AML/CFT, data protection and consumer protection.