Overview

We are looking for a Head of Product Implementation & Growth Unit to lead the development, growth and commercial performance of the Bank’s digital-first retail product portfolio.

Responsibilities:
  • Develop and execute the strategy and roadmap for retail products, including cards, payments & transfers, bundled offers, online lending and other digital-first products.
  • Own the end-to-end product lifecycle — from concept and business case through launch, ongoing optimization, maintenance, and portfolio management.
  • Drive digital sales performance, including acquisition, conversion, activation, usage and revenue KPIs.
  • Ensure ongoing product maintenance and compliance, including tariff and pricing changes, regulatory and legal updates, policy changes, product terms & conditions and other required product modifications.
  • Monitor product performance, customer feedback, market developments and regulatory requirements and initiate necessary product enhancements or changes.
  • Develop compelling customer propositions and continuously improve digital product journeys and customer experience.
  • Manage product economics, pricing, profitability, and business cases.
  • Partner with Technology, Digital, Marketing, Risk, Compliance, Legal, Operations, Finance and other stakeholders to deliver new products and implement product changes effectively.
  • Identify new product, partnership, and growth opportunities based on customer needs, market trends and data.
  • Lead, develop, and motivate the Growth Managers team.
Required Qualifications:
  • Bachelor’s or Master’s degree in Business, Finance, Marketing, Economics or related field.
  • 5+ years of experience in Growth, Business Development, Commercial Management or related leadership roles within banking fintech or payments.
  • Proven experience managing teams and delivering measurable business growth.
  • Strong understanding of transactional business models, banking economics and customer lifecycle management.
  • Ability to translate analytics into commercial action plans.
  • Strong leadership, stakeholder management and negotiation skills.
  • Knowledge of RA legislation regarding banking and payments.
  • Proficiency in Armenian, Russian, and English (written and spoken) is required
  • Strategic Thinking
  • Leadership & Coaching
  • Commercial Mindset
  • Analytical & Data-Driven
  • Execution & Ownership
  • Innovation-Oriented
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