Liability Manager

Lagos - Nigeria

Monthly Salary: Not Disclosed

Experience Required: 5years

Posted on: 11 hours ago

Vacancies: 1 Vacancy

Job Summary

About the Role:

The SME Deposit Product Manager/Analyst is responsible for developing managing and optimizing deposit products and propositions tailored to the needs of Small and Medium Enterprises (SMEs). The role focuses on driving deposit mobilization enhancing customer value and ensuring profitability through data-driven insights market research product innovation and effective portfolio management.

Key Responsibilities

Product Development and Management

Develop and manage SME deposit products (current savings term deposits and hybrid accounts) aligned with the banks SME strategy.
Review and refine product features pricing and benefits based on market feedback and competitive bench marking.
Design product bundles (payments collections digital tools) that increase customer stickiness and value.
Ensure all SME deposit products comply with regulatory risk and internal policy requirements.

Market and Competitor Analysis

Conduct periodic market research to understand SME customer behavior pain points and emerging opportunities.
Benchmark competitors SME deposit offerings and recommend innovative propositions to differentiate the bank.
Generate insights on deposit trends across sectors regions and customer segments to inform strategy.

Performance Monitoring and Reporting

Track key product metrics deposit volumes account growth cost of funds product profitability and customer activity.
Prepare monthly performance dashboards and business reviews for management.
Identify underperforming products or segments and recommend corrective action.

Customer and Channel Engagement

Work closely with SME Relationship Managers branches and digital teams to drive product adoption and growth.
Support marketing and communication teams with product campaigns and customer education initiatives.
Gather customer feedback through surveys focus groups and frontline insights to guide product improvements.

Strategic and Cross-functional Collaboration

Collaborate with Technology Operations Finance Risk and Compliance to deliver seamless SME deposit processes.
Partner with Digital Banking to enhance online account opening collections and liquidity management capabilities for SMEs.
Support funding and liquidity strategy by designing competitive deposit propositions that attract low-cost SME funds.

Experience

Bachelors degree in Business Finance Economics or related field (MBA or professional certification is an advantage).

58 years experience in product management SME banking or retail deposit management in a commercial bank.

About the Role:The SME Deposit Product Manager/Analyst is responsible for developing managing and optimizing deposit products and propositions tailored to the needs of Small and Medium Enterprises (SMEs). The role focuses on driving deposit mobilization enhancing customer value and ensuring profitab...