Head of Retail Products

{
  "content_hash": "13c321a3ed5f25d634ecfad52e411ad2b215d99852d2e1ad6e8139077ad4394b",
  "source_hash": "b535ebe0a2c26d9b5e0ea42545f5a5d9c591ebae290004c213713d80041575a1",
  "last_changed_at": "2026-05-30T05:53:22.856Z",
  "active_status": "active"
}

{
  "language": "en",
  "location": {
    "raw": "Dar es Salaam, Ilala, 00, Tanzania",
    "city": "Dar es Salaam",
    "region": "Ilala",
    "country": null,
    "is_remote": false,
    "confidence": 0.8
  },
  "salary_max": null,
  "salary_min": null,
  "inferred_at": "2026-06-06T10:23:47.276Z",
  "launch_scope": {
    "reason": "bamboohr_production_catalog",
    "included": true,
    "location": {
      "raw": "Dar es Salaam, Ilala, 00, Tanzania",
      "city": "Dar es Salaam",
      "region": "Ilala",
      "country": null,
      "is_remote": false,
      "confidence": 0.8
    },
    "countries": []
  },
  "remote_policy": null,
  "salary_period": null,
  "workplace_type": null,
  "salary_currency": null
}

{}

{
  "list_job": {
    "id": "925",
    "isRemote": null,
    "location": {
      "city": "Dar es Salaam",
      "state": "Ilala"
    },
    "atsLocation": {
      "city": null,
      "state": null,
      "country": null,
      "province": null
    },
    "departmentId": "18955",
    "locationType": "0",
    "jobOpeningName": "Head of Retail Products ",
    "departmentLabel": "Retail Banking",
    "employmentStatusLabel": "Full-Time"
  },
  "detail_errors": [],
  "detail_job_opening": {
    "location": {
      "city": "Dar es Salaam",
      "state": "Ilala",
      "postalCode": "00",
      "addressCountry": "Tanzania"
    },
    "datePosted": "2026-04-15",
    "atsLocation": {
      "city": null,
      "state": null,
      "country": null,
      "countryId": null
    },
    "description": "<p><span style=\"font-size: 12pt\">We are looking for a Head of Retail Products to take full ownership of the bank’s product ecosystem, driving growth, innovation, and market relevance across all retail offerings.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt\">You will lead strategy, execution, and performance across <span style=\"font-weight: bold\">Retail Assets &amp; Liabilities, Digital Banking, Cards, Bancassurance, Custodial and Investment Services</span>, ensuring strong commercial outcomes and a superior customer experience.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Ket Job Requirements:</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Product Strategy &amp; Lifecycle Management</span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Lead the development and management of:</span>\n<ul>\n<li><span style=\"font-size: 12pt\">Retail Loans, Mortgages, Overdrafts &amp; Government Schemes</span></li>\n<li><span style=\"font-size: 12pt\">CASA, Savings &amp; Term Deposits</span></li>\n<li><span style=\"font-size: 12pt\">Digital Banking (Mobile, Internet, Agency &amp; WhatsApp Banking)</span></li>\n<li><span style=\"font-size: 12pt\">Cards (Debit, Credit, Prepaid)</span></li>\n<li><span style=\"font-size: 12pt\">Bancassurance</span></li>\n<li><span style=\"font-size: 12pt\">Custodial &amp; Investment Services</span></li>\n</ul>\n</li>\n<li><span style=\"font-size: 12pt\">Own the full product lifecycle — from idea to launch to optimization</span></li>\n<li><span style=\"font-size: 12pt\">Align all products with business strategy, market trends, and regulatory requirements</span></li>\n<li><span style=\"font-size: 12pt\">Develop business cases and financial models for new initiatives</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Business Growth &amp; Financial Performance</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Drive growth across:</span></li>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-size: 12pt\">Loan book and deposits</span></li>\n<li><span style=\"font-size: 12pt\">Digital adoption and transaction volumes</span></li>\n<li><span style=\"font-size: 12pt\">Card usage and issuance</span></li>\n<li><span style=\"font-size: 12pt\">Fee income (investments, custodial, bancassurance)</span></li>\n</ul>\n</li>\n<li><span style=\"font-size: 12pt\">Manage pricing, margins, and profitability</span></li>\n<li><span style=\"font-size: 12pt\">Optimize balance sheet performance and cost of funds</span></li>\n<li><span style=\"font-size: 12pt\">Provide strategic input into pricing, liquidity, and portfolio decisions</span></li>\n<li><span style=\"font-size: 12pt\">Deliver strong P&amp;L performance across all product lines</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Sales Enablement &amp; Partnerships</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Partner with Retail, Corporate, and Branch teams to drive product uptake</span></li>\n<li><span style=\"font-size: 12pt\">Enable sales through campaigns, training, and cross-selling strategies</span></li>\n<li><span style=\"font-size: 12pt\">Build and manage strategic partnerships with:</span>\n<ul>\n<li><span style=\"font-size: 12pt\">Insurance providers</span></li>\n<li><span style=\"font-size: 12pt\">Asset managers and custodians</span></li>\n<li><span style=\"font-size: 12pt\">Fintechs and payment networks</span></li>\n</ul>\n</li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Customer Experience &amp; Innovation</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Champion customer-first product design</span></li>\n<li><span style=\"font-size: 12pt\">Use insights, analytics, and feedback to continuously improve offerings</span></li>\n<li><span style=\"font-size: 12pt\">Drive innovation across digital banking, cards, and investment products</span></li>\n<li><span style=\"font-size: 12pt\">Ensure seamless and intuitive customer journeys</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Digital &amp; Channel Integration</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Lead digital transformation across product offerings</span></li>\n<li><span style=\"font-size: 12pt\">Optimize delivery across mobile, internet, USSD, and agency channels</span></li>\n<li><span style=\"font-size: 12pt\">Oversee the cards ecosystem and partnerships</span></li>\n<li><span style=\"font-size: 12pt\">Work closely with ICT to ensure scalable, stable, and innovative systems</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Risk, Compliance &amp; Governance</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Ensure full compliance with regulatory requirements (BOT, KYC/AML)</span></li>\n<li><span style=\"font-size: 12pt\">Act as first line of defense for product-related risks</span></li>\n<li><span style=\"font-size: 12pt\">Monitor operational, credit, fraud, and reputational risks</span></li>\n<li><span style=\"font-size: 12pt\">Address audit findings and implement corrective actions</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Reporting &amp; Insights</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Track and report on key product performance metrics</span></li>\n<li><span style=\"font-size: 12pt\">Provide insights to senior management and key committees</span></li>\n<li><span style=\"font-size: 12pt\">Support reporting to ALCO, Product Committees, and the Board</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"><br></span><br></p>\n<p><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Leadership &amp; Team Management</span></span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Build and lead a high-performing product team</span></li>\n<li><span style=\"font-size: 12pt\">Coach, mentor, and develop talent</span></li>\n<li><span style=\"font-size: 12pt\">Drive a culture of accountability, ownership, and innovation</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Competencies Required</span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Strong expertise in Retail &amp; Digital Banking, Cards, Investments, and Bancassurance</span></li>\n<li><span style=\"font-size: 12pt\">Deep understanding of the Tanzanian banking and regulatory landscape</span></li>\n<li><span style=\"font-size: 12pt\">Proven track record in product strategy, innovation, and lifecycle management</span></li>\n<li><span style=\"font-size: 12pt\">Strong commercial, analytical, and financial modeling skills</span></li>\n<li><span style=\"font-size: 12pt\">Experience with digital ecosystems, fintech partnerships, and payment systems</span></li>\n<li><span style=\"font-size: 12pt\">Customer-focused with strong attention to user experience</span></li>\n<li><span style=\"font-size: 12pt\">Exceptional stakeholder management and communication skills</span></li>\n<li><span style=\"font-size: 12pt\">Strong leadership and team development capabilities</span><br><br><br></li>\n</ul>\n<p><span style=\"color: rgb(0, 0, 0); font-size: 12pt; font-weight: bold\">Qualifications and Experience</span></p>\n<ul>\n<li><span style=\"font-size: 12pt\">Bachelor’s degree in Business, Finance, Economics, or related field</span></li>\n<li><span style=\"font-size: 12pt\">MBA or relevant professional certification is an added advantage</span></li>\n<li><span style=\"font-size: 12pt\">8–10 years of banking experience, with at least 5 years in Product Leadership</span></li>\n<li><span style=\"font-size: 12pt\">Experience in Digital Banking, Cards, Investments, or Bancassurance is highly desirable</span></li>\n</ul>\n<p><br><br></p>\n<p><span style=\"font-size: 12pt\">I&amp;M Bank Tanzania is an equal opportunity employer. We do not discriminate on the basis of gender, age, disability, religion, or background. By applying and submitting your documents, you consent to the collection, processing, and use of your personal data for recruitment and selection purposes in line with applicable data protection regulations.</span></p>\n<p><br><br></p>\n<p><span style=\"font-size: 12pt\">Only shortlisted candidates will be contacted.</span></p>",
    "compensation": null,
    "departmentId": "18955",
    "locationType": "0",
    "seekPromoted": false,
    "jobCategoryId": null,
    "jobOpeningName": "Head of Retail Products ",
    "departmentLabel": "Retail Banking",
    "jobOpeningStatus": "Open",
    "minimumExperience": "Senior Manager/Supervisor",
    "jobOpeningShareUrl": "https://imbank.bamboohr.com/careers/925",
    "employmentStatusLabel": "Full-Time"
  }
}