We’re a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands. 

‍We’re a team of inspired people who believe that opportunities start with a conversation. 

Duties & Responsibilities

As a Product Manager one will own and manage an allocated portfolio of Retail and Corporate products and customer propositions. Convert customer, market and business needs into commercially sound, well-governed propositions, credible business cases, controlled launches and measurable performance. The portfolio will initially span both Retail and Corporate Banking and may be divided into specialist roles as the function grows.

You will be responsible for:

• Own and manage assigned products throughout their full lifecycle, from strategy and development to launch, review and withdrawal.
• Develop and maintain product roadmaps aligned with customer needs and business objectives.
• Identify opportunities to enhance products, pricing, customer journeys and overall propositions.
• Develop business cases, pricing proposals and performance recommendations based on data and market insights.
• Monitor product performance, profitability, customer outcomes, risks and key performance indicators.
• Conduct customer, competitor and market analysis to identify growth and improvement opportunities.
• Collaborate with Retail and Corporate Banking to develop customer-focused products and propositions.
• Work closely with Finance, Risk, Compliance, Legal, Operations, Technology, Marketing and other stakeholders to deliver product initiatives.
• Lead product launches and enhancements, ensuring readiness across systems, processes, training and communications.
• Manage external partners and strategic partnerships where applicable.
• Prepare proposals and presentations for relevant governance and approval committees.
• Ensure products remain compliant, competitive, commercially viable and aligned with the Bank’s strategy.
• Recommend corrective actions, improvements or changes based on product performance and customer feedback.

Competencies and Experience

The potential candidate should be reliable and trustworthy, well-organised with a disposition to learn and have a team-oriented approach.

You must have:

• Degree or equivalent qualification in business, banking, finance, economics, marketing or a related field, with relevant product, propositions or commercial experience in banking or financial services.
• Practical knowledge in one or more of deposits, lending, payments, treasury, foreign exchange, transactional banking, trade finance, partnerships or customer propositions, with the ability to work across the wider portfolio.
• Ability to build business cases, interpret management information and turn customer and market insight into decisions.
• Experience delivering cross-functional product change in a regulated environment, with sound governance, conduct, risk and stakeholder-management capability. 
• Experience in areas such as affluent propositions, sector banking, MDB or guarantee schemes, insurance distribution, third-party risk, digital journeys, pricing and profitability, or Maltese/European banking will be considered an asset

What we Offer

• Ongoing personal development; 
• Preferential interest rates on home loans, personal loans and home value loans; 
• Comprehensive support for academic advancement through fully subsidized staff study loans; 
• Private clinic health insurance coverage, extendable to dependants; 
• Life insurance and personal accident cover; 
• Free ophthalmic examinations; 
• Private counselling sessions in collaboration with Richmond Foundation; 
• Additional full-day leave for birthday celebrations; 
• Annual performance appraisals and salary reviews; 
• €400 annual wellness allowance; 
• Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40; 
• Flexible work arrangements (role permitting); and 
• Various corporate discounts. 

BNF Bank p.l.c is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.