Job Description

The Manager, Consumer Digital, Digital Banking plays a Product Owner role within the Digital Ecosystem & Risk department, responsible for driving enhancements to fraud prevention, trusted communications, and ecosystem enablement across Consumer Banking digital channels.

The role focuses on delivering secure, reliable, and scalable digital capabilities across OCTO mobile app, web channels, communication middleware (RCP), Airship push notifications, and WhatsApp, while supporting fraud‑preventive and security initiatives, including those introduced from time to time by Bank Negara Malaysia (BNM)

In addition, the role supports digital ecosystem expansion, internal governance platforms, and API readiness, working closely with cross‑functional teams to ensure solutions are customer‑centric, compliant, and future‑ready.

Key Responsibilities :

Product Ownership & Agile Delivery

• Act as Product Owner for assigned digital communication platforms, owning the product roadmap, backlog, and delivery priorities.
• Define, manage, and prioritise product backlogs, ensuring requirements are clearly translated into user stories and acceptance criteria
• Lead backlog grooming, sprint planning, and close collaboration with Agile delivery teams to support iterative and timely delivery.
• Balance business objectives, customer experience, risk considerations, and regulatory needs when making prioritisation decisions.

Fraud Prevention & Security Initiatives

• Drive delivery of fraud countermeasures and security enhancements across digital channels.
• Translate fraud use cases, scam patterns, and security requirements into digital feature enhancements.
• Support implementation of BNM‑driven fraud preventive measures, ensuring requirements are delivered through existing platforms and channels.
• Partner with Fraud Analytics, Risk, and Operations to continuously improve fraud‑related customer journeys.

Digital Communication Platforms

• Own and enhance customer communication capabilities across:
  • OCTO mobile app
  • Web channels
  • Airship push notifications
  • RCP middleware event triggering
  • WhatsApp Business Account
• Ensure communications are timely, accurate, customer‑friendly, and aligned with fraud and security objectives.
• Support reliability, delivery accuracy, and responsiveness of notification and messaging flows

Ecosystem Expansion & Engagement

• Support ecosystem growth and engagement strategies through secure and scalable digital enablement.
• Contribute to integration and expansion initiatives that increase digital adoption and customer usage.
• Work with partners and internal teams to enable ecosystem connectivity in a controlled and secured manner.

Internal Portals & Governance Platforms

• Support management and enhancement of internal portals (e.g. CIO Portal, CBMY Portal).
• Enable governance workflows, reporting, and collaboration across Consumer Banking teams.
• Ensure internal platforms remain reliable, secure, and aligned with business needs.

API Readiness & Integration Enablement

• Support API readiness and integration initiatives to enable ecosystem scalability.
• Work with Technology teams to ensure APIs and middleware integrations align with security and governance standards.
• Enable faster delivery through reusable integration and platform capabilities.

Compliance, Risk & Controls

• Ensure delivered features comply with internal policies, data privacy laws, and regulatory expectations.
• Support governance, audit, and review processes relating to digital platforms and communications.
• Maintain strong awareness of operational, reputational, and customer risk.

Relevant Work Experience

• Minimum 5+ years in product management, product ownership, business analysis, or digital delivery roles.
• Hands‑on experience in Agile environments, including backlog ownership and user story drafting.
• Experience working in banking or regulated financial services environments.
• Exposure to fraud prevention, security initiatives, or digital communications is an advantage.

Competencies/Skills

(Essential to succeed in this job)

• Strong Product Owner mindset with structured prioritisation and delivery skills.
• Ability to translate fraud, security, and regulatory requirements into actionable product features.
• Good understanding of digital platforms, middleware, and integration concepts.
• Strong stakeholder management and cross‑functional collaboration abilities.
• High risk awareness, attention to detail, and delivery discipline.
• Interest in digital trust, security, and ecosystem‑driven banking platforms.
• #LI-AZ1