Head of Product and Business Transformation-Small Business

Job Description

Title: Head of Product and Business Transformation-Small Business

Company Name: Bank Asia PLC

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: --

Experience:

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Masters

Post-Graduation from any reputed Public/ Private University or College with minimum Second Class/division in all examinations. No 3rd division/ class is allowed.

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Strong expertise in SME banking products, including funded and non-funded facilities, as well as liability and wealth management products.

• Proven capability in product design, pricing, and lifecycle management with a clear focus on profitability and asset quality.

• Ability to drive digital transformation initiatives, including Digital Loan Origination Systems (LOS), process automation, and data-driven decision-making.

• Strong analytical and financial skills to evaluate product performance, yield, market share, and field productivity.

• Experience in defining sales strategies, KPIs, and incentive structures that balance growth, collections, and risk discipline.

• Strong leadership and people management capabilities, including coaching, training, and building high-performing field and product teams.

• Excellent communication and presentation skills for engaging senior management and presenting insights to MANCOM and other governance forum.

• Lead the design, development and scaling of SME lending products aligned with Bangladesh’s market dynamics, seasonal business cycles, and local trade patterns.

• ​ Develop and innovate both funded, non-funded, and liability products tailored to the evolving needs of small business owners.

• Define and implement effective sales strategies, including clear Key Performance Indicators (KPIs) for field teams that balance acquisition growth with collection and portfolio quality.

• Collaborate with HR to strengthen training and capacity-building initiatives, ensuring field staff excellence in credit assessment and relationship banking.

• Design and manage incentive and commission frameworks that motivate performance while discouraging excessive risk-taking.

• Lead business transformation initiatives by transitioning from manual, paper-based processes to Digital Loan Origination Systems (LOS) to reduce turnaround time (TAT) and improve customer experience.

• Work closely with the Credit Risk Management Department to refine credit underwriting standards based on field insights.

• Develop and present high-level management dashboards and reports for SMT, covering market share, portfolio yield, productivity, and overall business performance.

• Drive sustainable growth of the SME portfolio while maintaining strong asset quality and a low Non-Performing Loan (NPL) ratio through robust product structures and credit parameters.

Attractive salary and incentives will be offered along with sound career growth prospects.