Senior Product Manager - Commercial Issuing

About the role

Absa is looking for a Senior Product Manager for Commercial Issuing in Johannesburg. The role owns the end-to-end strategy, commercial performance and customer value proposition of assigned Commercial Issuing products and payment capabilities within Business Banking. It suits a commercially minded product leader who can turn business and customer needs into viable product propositions, build business cases and roadmaps, mobilise cross-functional teams and take accountability for measurable outcomes with minimal supervision.

Key responsibilities

• Own products from opportunity identification through development, launch, growth, optimisation and retirement, including defining vision, requirements, business cases and delivery plans, and tracking performance against the approved business case.
• Own or materially influence the P&L: manage revenue, cost and profitability drivers, budgets, forecasts and pricing, and quantify ROI and payback for new capabilities and investments.
• Manage propositions that meet business clients' payment, working-capital, control, reporting and reconciliation needs, and design solutions such as spend control, transaction visibility, reconciliation and supplier-payment efficiency.
• Build product strategies and roadmaps aligned to Business Banking objectives, make prioritisation decisions when capacity and funding are limited, and adjust the roadmap regularly.
• Monitor portfolio performance and identify root causes of low activation, low spend or declining profitability, then recommend invest, optimise, reposition, remediate or retire.
• Lead delivery through Technology, Operations, Sales, Distribution, Finance, Risk, Compliance, Legal, Fraud and Credit teams, clarifying ownership, negotiating capacity and escalating unresolved constraints.

Required profile

• Strong product-management discipline combined with sound commercial judgement.
• Practical knowledge of the commercial card and business-payments ecosystem.
• Ability to manage product performance, profitability, customer adoption, risk, compliance, operational readiness and technology dependencies across the full product lifecycle.
• Personal accountability for product outcomes rather than coordinating other teams.