Payment Crossrail Product Head at FNB South Africa

Job Description

• Responsible for providing the direction and managing the creative process of a small specialist team.
• Work with the customer segment owners (consumers) to define the requirements for the FRB cross-rail product offering including alignment to customer journeys, experience and usability.
• Initiate competitor analysis to benchmark our product offering to what the broader market is offering.
• Establishment, alignment and management of target and budget goals whilst ensuring effective control of costs for a range of functional areas to increase cost efficiency.
•  Deliver exceptional service that exceeds customers’ expectations through proactive, innovative and appropriate solutions.
• Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, customer segment owners, SME’s, project managers and senior staff members.
• Maintenance of expert knowledge on relevant legislative amendments industry best practices and provision of proactive advice and solutions to relevant stakeholders
• Develop a product strategy aligned to business strategy to ensure business growth and sustainability.
• Translate strategies into actionable goals and execute relevant projects / initiatives aligned to strategic objectives with specific performance measures and control systems to track progress.
• Implement and maintain sound business processes that minimise risk and deliver quality requirements specifications. Findings that arise as a result of internal or external audit and client management and risk.
• Manage designated product development projects from inception to final execution, including post implementation evaluation.
• Initiate and manage market research, data mining and quantitative analysis to ensure sustainability and future competitive growth.

Additional Requirements

Unified Customer Onboarding:

• Provide a single- entry point for customers to onboard across all services. Enable customers to selectively activate or deactivate services during onboarding.

Seamless Customer Experience:

• Ensure consistent and seamless user experience across all payment and collection channels bank and user
• Abstract backend complexity (e.g., rail types, payment layers) from the customer.

Market-Driven Strategy:

• Define the “what” based on customer needs, not internal capabilities.
• Conduct market research to understand customer expectations and pain points.

Ecosystem Expansion:

• Extend services beyond payments into adjacent ecosystems:
• Invoicing (presentment + payment)
• E-commerce platforms
• Online marketplaces

Cross-Domain Expertise

• Seek individuals who understand payments and collections across multiple rails.
• Require ability to collaborate across silos and translate customer needs into strategy.

Customer Experience Design

• Design unified payment experiences across different payment methods (e.g., card, eBucks, request-to-pay).
• Benchmark against best-in-class experiences (e.g., Apple Pay, Google Pay).

You will be an ideal candidate if you:

• Are a holder of a Bachelor of Commerce 
• Have a minimum 5 years’ experience 
• Have a minimum 2 years’ experience in managing cross functional teams
• Have experience in Project Management
• Have experience in payments processes and systems
• Have a strong operational understanding of systems and processes of payments including High Value
• Have an understanding of payments regulations
• Have an ability to understands, quantify and mitigate risk.
• Have a high standard of ethical behaviour
• Have an ability to implement strategic initiatives and manage projects
• Are outcome driven with a Strong business acumen and financial proficiency

Closing Date:

• 05/6/2025