Associate/Senior Associate, Digital Product Management

Business Function
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you. Job Purpose:

As a Senior Product Manager in the Digital Onboarding Team, you will contribute to success of digital initiatives spanning across retail banking produts, specially Video enabled KYC process. You will part of initiatives to conceptualize, design, and launch innovative financial products while leveraging technology and data to deliver exceptional customer experiences. This is an exciting opportunity to work with a dynamic team to drive growth, enhance profitability, and build partnerships that create a lasting impact. Key Accountabilities:

Innovative Product Development:

• Conceptualize and launch financial products tailored to customer needs, focusing on growth and market differentiation.
• Work with cross-functional teams to ensure seamless implementation of product strategies.

Digital Transformation and Customer-Centricity:

• Collaborate with technology teams to drive digital-first innovations, creating user-friendly interfaces and seamless customer journeys.
• Gather customer insights to improve product features and user experience.

Market Research and Strategy:

• Conduct market and competitor analysis to identify emerging trends and opportunities.
• Develop data-driven strategies to optimize product performance and achieve KPIs.

Revenue and Profitability Management:

• Assist in tracking product performance, revenue, and profitability.
• Identify areas for growth and work on strategies to enhance portfolio returns.

Collaboration and Stakeholder Management:

• Work closely with business development, marketing, risk, and legal teams to ensure product compliance and alignment with organizational goals.
• Build strong relationships with partners and vendors to create value-driven alliances.

Job Duties responsibilities:

• Support the end-to-end lifecycle of VKYC products, including ideation, design, development, and go-to-market strategies.
• Analyze customer data to refine product features and align them with evolving customer needs.
• Contribute to strategic projects, such as digital transformation initiatives, to drive operational efficiency and enhance product appeal.
• Develop presentations and business cases for new product initiatives to gain management buy-in.
• Ensure adherence to regulatory and compliance guidelines while developing products with an in-depth understanding of V-CIP related regulations and adherence.

Required Experience:

• 5 to 7 years of experience with exposure in both Banks and Fintechs.

Education / Preferred Qualifications:

• MBA/M.Tech

Core Competencies:

• Past experience building video based KYC/banking products is preferable.
• In-depth understanding of V-CIP related regulations and adherence.
• Analytical thinking with a data-driven approach to problem-solving.
• Strong communication and interpersonal skills to work effectively with cross-functional teams.
• Customer-first mindset with the ability to think creatively and innovate.
• Proactive and adaptable in a fast-paced environment.

Technical Competencies:

• Proficiency in tools like Excel, PowerPoint, and data visualization software
• Basic understanding of liability products and payments.
• Experience with building digital platforms and customer journeys

DBS India - Culture Behaviors:

• Performance through Value Based Propositions
• Ensure customer focus by delighting customers reduce complaints
• Build pride and passion to protect, maintain and enhance DBS image and reputation
• Enhance knowledge base, build skill sets develop competencies
• Execute at speed while maintaining error free operations
• Maintain the highest standards of honesty and integrity