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Open nowPosted 251 days ago

Senior Product Manager - Savings Products

Workable (global search)107,990 open roles

Where
Lagos, LA, Nigeria
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Your applicationOpen nowSenior Product Manager - Savings ProductsWorkable (global search) · Lagos, LA, Nigeria

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The clock on this job

Early applications get read.

7.9% of postings close within 7 days. Measured by our own scanner across the market. Workable (global search) postings stay open a median of 6 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.6%3 days
  3. 7.9%7 days
  4. 14.9%14 days
  5. 34.0%30 days
This job: posted 251 days ago

Workable (global search) median: 6 days open

The posting

Product Strategy & Ownership

  • Own the end-to-end strategy for Renmoney’s savings products, including:
  • Everyday savings accounts
  • Fixed or term deposits
  • Structured and goal-based savings products
  • Future diaspora savings offerings
  • Translate Renmoney’s 2025–2027 long-term business strategy into a clear product roadmap for savings.
  • Ensure savings products support:
  • Deposit growth
  • Lower funding costs
  • Healthy balance between short-term and long-term funds
  • Define product value propositions for different customer groups such as individual retail customers, small and medium-sized businesses, and Nigerians in the diaspora.

Balance Sheet & Commercial Performance

  • Work closely with the Finance and Treasury teams to:
  • Improve the mix between on-demand savings (money customers can withdraw anytime) and fixed deposits (money locked for a specific period)
  • Reduce the Cost of Funds (COF), which means how much the bank pays customers for deposits
  • Model how pricing, interest rates, and savings tenors affect profitability and liquidity
  • Own key savings performance metrics, including:
  • Total deposits and monthly net inflows
  • Average balance per customer
  • Cost of Funds (interest paid on deposits)
  • Customer retention and churn (how many customers stay or leave)

Execution & Delivery

  • Lead cross-functional execution with:
  • Engineering (software development)
  • Design (user experience and interface)
  • Risk Management
  • Compliance (regulatory adherence)
  • Operations and Customer Support
  • Marketing and Growth teams
  • Write Product Requirement Documents (PRDs) that clearly describe what is being built and why.
  • Prioritize features and initiatives based on customer value, risk, effort, and business impact.
  • Ensure savings features are reliable, scalable, compliant with regulations, and easy for customers to use.

Governance, Risk & Compliance

  • Represent savings products in the Product Governance Council (PGC), which is the internal committee that reviews, approves, and governs all product changes.
  • Participate in Asset and Liability Committee (ALCO) sessions, where senior leaders manage:
  • Liquidity (availability of cash)
  • Interest rate risk
  • Funding strategy
  • Ensure savings products comply with:
  • Central Bank of Nigeria (CBN) regulations
  • Nigeria Data Protection Regulation (NDPR), which governs customer data privacy
  • Internal audit, risk, and control frameworks
  • Proactively identify risks, trade-offs, and dependencies before they become issues.

Customer Experience & Growth

  • Improve savings adoption through:
  • Simple and clear onboarding
  • Smooth funding and withdrawal experiences
  • Transparent communication of interest, penalties, and terms
  • Use savings as a foundation to cross-sell other products such as loans and payments.
  • Work with the Analytics team to understand customer behavior and lifetime value.

Requirements

  • 6–10+ years of Product Management experience
  • Direct experience with banking, savings, or deposit products
  • Experience working in regulated financial institutions such as banks, microfinance banks, or fintechs
  • Proven ability to own products that impact revenue and the balance sheet
  • Experience working closely with Finance, Risk, and Compliance teams

Skills & Competencies

  • Strong understanding of financial concepts such as interest rates, liquidity, and funding costs
  • Data-driven decision-making combined with sound professional judgment
  • Ability to operate at both strategic and execution levels
  • Strong written and verbal communication skills, including with executive leadership
  • High sense of ownership and accountability

Success Metrics (First 12–18 Months)

  • Consistent growth in customer deposits
  • Improved funding efficiency through a better deposit mix
  • Strong adoption and retention of savings products
  • On-time delivery of roadmap initiatives that meet regulatory and audit requirements
  • Clear, trusted product leadership in executive and governance forums

Nice-to-Have

  • Experience with diaspora banking or international savings products
  • Exposure to senior financial decision-making forums such as ALCO
  • Experience in fast-growing fintech or digital banking environments
  • Familiarity with analytics, experimentation, and customer insight tools

Key Stakeholders

  • Head of Product
  • Finance and Treasury teams
  • Risk Management and Compliance teams
  • Engineering and Design teams
  • Marketing and Growth teams
  • Executive Management, including:
  • Chief Executive Officer (CEO)
  • Deputy Chief Executive Officer
  • Asset and Liability Committee (ALCO)
  • Product Governance Council (PGC)

Benefits

Why Join Renmoney

  • Opportunity to shape the savings foundation of a modern Nigerian digital bank
  • High visibility and direct impact on business performance
  • Strong governance, leadership support, and product culture
  • A role that combines product leadership, financial performance, and customer impact
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