Digital Product Manager-Digital Banking-Net & Mobile Banking HO Team

Role overview

Growth and recommendations

• Define cross-sell and engagement strategies using the recommendation engine and translate business priorities into executable offer strategies.
• Drive growth across credit cards, loans, deposits, investments, and insurance.
• Use eligibility, behavioral, and transaction data, customer segmentation, and micro-segmentation to target offers.
• Personalize offers across customer lifecycle stages.

Channels and journey optimization

• Execute recommendations across mobile banking, net banking, and website channels, coordinating with branches and call centers.
• Monitor journey drop-offs and ensure correct calls to action, redirection, and end-to-end customer journeys.
• Optimize recommendation performance, including Click-to-Impression ratios.

Analytics and governance

• Track base utilization, offer fatigue, conversions, recommendation performance, and overall effectiveness; deliver data-backed business reviews.
• Coordinate business, product, marketing, analytics, technology, operations, and compliance stakeholders.
• Drive campaign approvals, execution governance, and hygiene while prioritizing customer experience.
• Improve recommendation logic, targeting frameworks, execution efficiency, campaign formats, processes, and controls.

Requirements

• Own and drive the bank's recommendation engine for cross-selling to existing customers across digital and assisted channels.
• Design and execute data-driven, personalized offer recommendations using customer eligibility, behavior, and transaction data.
• Drive product growth across credit cards, loans, deposits, investments, and insurance.
• Track recommendation performance, customer engagement, conversions, and related metrics, and provide data-backed business reviews.
• Coordinate business, product, marketing, analytics, technology, operations, and compliance stakeholders.