Manager, GIB Consumer Banking - Product Management MY

Key Responsibilities *

Product Development & Lifecycle Management

Manage and establish strong working relationships with Strategic Business Units (SBUs) and key stakeholders to develop, enhance and manage the end-to-end lifecycle of Islamic Retail Banking products and services. Responsibilities include:

• Lead and support new product development, product enhancement and product rationalisation initiatives.


• Provide advisory on product structuring, Shariah requirements, customer proposition and commercial viability.


• Review and provide recommendations on product proposals, legal documentation and operational processes.


• Partner with Technology and Operations on system development, implementation and product enhancements.


• Coordinate product implementation activities to ensure timely and successful launches. • Review papers requiring Shariah & Governance Department, Board Shariah Committee and Management approvals.


• Facilitate approvals from internal governance committees and external regulators where applicable.


• Manage communication and resolution of Shariah, legal and regulatory matters.


• Engage with regulators and industry bodies on product-related matters.


• Act as the Product Subject Matter Expert (SME) to provide advisory and guidance to internal stakeholders.

Product Governance, Operational Excellence & Risk Management

Drive operational excellence by ensuring products are delivered in accordance with regulatory requirements, Shariah principles and internal governance standards. Responsibilities include:

• Monitor product performance and recommend operational improvements.


• Review and enhance Standard Operating Procedures (SOPs), operational workflows and customer journeys.


• Provide advisory on operational processes, system enhancements and implementation readiness.


• Ensure compliance with Bank Negara Malaysia (BNM) requirements, Shariah standards and internal policies.


• Perform product risk assessments and evaluate operational, regulatory and customer impacts.


• Support Product Implementation Reviews (PIR), post-implementation reviews and governance reporting.


• Work closely with Risk, Compliance, Legal, Operations and Technology to resolve product-related issues and improve operational efficiency.


• Drive continuous improvements to strengthen customer experience and service delivery.

Business Performance, Market Intelligence & Analytics

Monitor, analyse and evaluate business, product and market performance to support strategic decisionmaking. Responsibilities include:

• Conduct market research, competitor benchmarking and industry analysis.


• Analyse portfolio performance, customer behaviour and profitability trends.


• Translate raw data into meaningful business insights and strategic recommendations.


• Prepare management reports, dashboards and presentation materials for senior management.


• Identify business opportunities and recommend product enhancements based on market intelligence.


• Guide and coach business stakeholders in data interpretation and analytical capabilities.

Stakeholder & Project Management

Build and maintain strong relationships with internal and external stakeholders to ensure successful delivery of product initiatives. Responsibilities include:

• Collaborate with SBUs and cross-functional teams throughout the product lifecycle.


• Manage project timelines, deliverables, dependencies and stakeholder expectations.


• Coordinate cross-functional initiatives to ensure timely implementation of product enhancements.


• Facilitate discussions, resolve issues and drive consensus among stakeholders.


• Promote a collaborative, customer-centric and results-oriented working environment.

Strategic Initiatives & Management Assignments

Support strategic initiatives and special projects to achieve the Bank's long-term objectives. Responsibilities include:

• Prepare product-related submissions for awards, credit rating exercises, regulatory responses and strategic initiatives.


• Participate in industry working groups, regulatory engagements and strategic projects.


• Undertake special assignments and ad-hoc projects as directed by Management.


• Support the development and execution of the Retail Islamic Banking product strategy.