Product Modelling Manager (Cash & Fintech)

Responsibilities:

1. Requirement Gathering & Analysis

• Engage with stakeholders (business, technology, compliance, and operations) to gather and document business and functional requirements.
• Conduct gap analysis to identify areas of improvement in current payment solutions and digital wallet offerings.
• Define user stories, use cases, and acceptance criteria for fintech products.

2. Product & Solution Design

• Collaborate with product owners and solution architects to design payment systems, digital wallets, and fintech solutions.
• Ensure compliance with regulatory requirements (e.g., PCI DSS, KYC, AML, PSD2).
• Work on API integrations between banks, payment gateways, and third-party service providers.

3. Process Mapping & Optimization

• Develop workflow diagrams, process models, and system interaction diagrams.
• Optimize digital payment and wallet processes to enhance user experience and operational efficiency.
• Identify automation opportunities to reduce manual intervention.

4. Data Analysis & Reporting

• Analyze transaction data, user behavior, and system performance to provide actionable insights.
• Work with SQL and BI tools to generate reports on key fintech metrics (e.g., transaction success rate, fraud detection, churn rate).
• Support risk and fraud teams in identifying suspicious activities.

5. Project Management & Stakeholder Coordination

• Act as a liaison between business units, development teams, and third-party vendors.
• Support Agile/Scrum teams by prioritizing the product backlog and sprint planning.
• Ensure timely delivery of fintech projects by tracking milestones and dependencies.

6. Testing & Quality Assurance

• Define test cases and participate in UAT (User Acceptance Testing) to validate solutions.
• Coordinate with QA teams to ensure proper testing of digital wallet transactions, payment flows, and API integrations.
• Identify and escalate defects or performance issues in the payment systems.

7. Compliance & Security

• Ensure adherence to local and international fintech regulations, including anti-money laundering (AML) and know-your-customer (KYC) guidelines.
• Work closely with cybersecurity teams to identify and mitigate payment fraud risks.

8. Continuous Improvement & Market Research

• Stay updated on emerging trends in fintech, blockchain, BNPL (Buy Now Pay Later), and digital banking.
• Analyze competitors’ payment solutions and recommend enhancements.
• Provide strategic input to improve product offerings and customer engagement.

Qualifications & Experience:

1. Knowledge:

• Experience in enterprise architecture, solution architecture, or software development, preferably in Cash, Payments and Digital Wallet.
• Translate business needs into functional requirements to design seamless cash wallet and digital payment solutions that enhance user experience and financial inclusion.
• Collaborate with cross-functional teams to analyze, document, and optimize digital banking processes, ensuring compliance, scalability, and innovation.
• Drive data-driven insights and product enhancements across fintech ecosystems, enabling smarter, faster, and more secure financial transactions.

2. Technical Skills:

• Skilled in BRD, FRD, and user story development using Jira, Confluence, and Visio to translate business and regulatory needs into technical deliverables.
• Proficient in API analysis, data mapping, and third-party system integrations across payment gateways, digital wallets, and core banking platforms.
• Experienced in UAT planning, end-to-end process validation, and compliance alignment with CB regulations, AML/KYC, and CBE digital payment frameworks.

3. Education:

• University Degree in Telecommunication, Engineering, Business Administration.

4. Experience:

• Minimum of 4 years of relevant experience consistent with the above knowledge and skills.

5. Language Proficiency:

• Perfect Command of English language (written & spoken).

6. Skills & Abilities:

• Strong communication skills to interact with business stakeholders and technical teams.
• Ability to translate business requirements into technical solutions.
• Experience in leading cross-functional teams and vendor management.