Senior Manager, Products and Process

Job Description

Title: Senior Manager, Products and Process

Company Name: BRAC Bank PLC

Vacancy: --

Age: At least 30 years

Job Location: Dhaka

Salary: --

Experience:

• 8 to 12 years
• The applicants should have experience in the following business area(s): Banks

• A master’s or bachelor’s degree in business administration, finance, economics or a related discipline from a UGC-approved university or an accredited foreign university.

• 8 to 12 years
• The applicants should have experience in the following business area(s): Banks

• Age At least 30 years

• Minimum of 8–12 years of experience in a bank or financial institution, including four to five years in product management, credit policy or process re-engineering.

• A proven track record of taking at least one lending product from concept to national rollout.

• Strong command of the regulatory framework governing the segment and the ability to represent the bank confidently in regulatory forums.

• Proven capability in policy drafting, product program design and product economics.

• Sound grasp of credit scoring and cash-flow-based underwriting.

• Process design and re-engineering capability; Lean or Six Sigma exposure will be an advantage.

• Advanced proficiency in Excel and PowerPoint, with the ability to make data-led decisions.

• Proficiency in spoken and written Bangla and English.

• A professional certification such as CDCS, CAMS, CERM, FRM, CFA or a PGD in Banking will be a distinct advantage.

• Willingness to travel across the country regularly.

BRAC Bank PLC is building the future of banking in Bangladesh through trust, innovation, and inclusion. As a values-based financial institution, the bank empowers customers and businesses with responsible financial solutions while upholding the highest standards of compliance, governance and transparency. For professionals, BRAC Bank offers a platform where performance, integrity, and innovation thrive together.
The bank is seeking a qualified and purpose-driven professional for the following position within its SME Banking Division.
Job Grade: FAVP
Key Responsibilities:

• Product Ownership & Lifecycle Management

  • Own the full product lifecycle – concept, design, business case, approval, launch, review, refresh and retirement.

  • Draft and maintain Product Program Guidelines within the regulatory framework and the Board- and Management-approved risk appetite.

  • Set pricing, own product profitability, reduce acquisition costs, maintain spreads and maximise return on capital.

  • Conduct monthly product performance reviews against defined KPIs.

  • Build go-to-market plans, campaigns and frontline enablement programmes for every launch.

• Process Design & Re-engineering

  • Challenge conventional processes; redesign customer journeys from first principles while remaining fully compliant.

  • Cut turnaround time, cost to serve and manual touchpoints against measurable targets.

  • Digitize product processes, servicing and acquisition to control costs and improve the customer experience.

  • Author and maintain standard operating procedures, checklists and delegation matrices.

• Regulatory Engagement & Policy Advocacy

  • Own the regulatory relationship for policy advocacy and provide regulatory feedback. Engage with the central bank, industry associations and relevant authorities as the Division’s technical voice.

  • Prepare position papers, impact assessments and advocacy submissions on policies affecting the segment.

  • Interpret regulatory changes, assess their business impact and lead implementation across products, processes and systems.

• Market Intelligence & Field Validation

  • Visit the market frequently. Test products and processes geography by geography. Incorporate field evidence into design decisions.

  • Track competitor propositions, pricing and service standards, and address identified gaps.

• Administrative Responsibilities

  • Partner with Risk, Compliance, Legal, Finance, Operations and Technology to secure approvals and close audit observations.

  • Ensure compliance with KYC, AML and other regulatory requirements across every product and process.

• HR Responsibilities

  • Keep frontline and sales teams updated on product features and the prevailing policies and guidelines of the bank and regulators.