Head of Product Implementation & Growth Unit

• Develop and execute the strategy and roadmap for retail products, including cards, payments & transfers, bundled offers, online lending and other digital-first products. • Own the end-to-end product lifecycle — from concept and business case through launch, ongoing optimization, maintenance, and portfolio management.

• Drive digital sales performance, including acquisition, conversion, activation, usage and revenue KPIs.
• Ensure ongoing product maintenance and compliance, including tariff and pricing changes, regulatory and legal updates, policy changes, product terms & conditions and other required product modifications.
• Monitor product performance, customer feedback, market developments and regulatory requirements and initiate necessary product enhancements or changes.
• Develop compelling customer propositions and continuously improve digital product journeys and customer experience.
• Manage product economics, pricing, profitability, and business cases.
• Partner with Technology, Digital, Marketing, Risk, Compliance, Legal, Operations, Finance and other stakeholders to deliver new products and implement product changes effectively.
• Identify new product, partnership, and growth opportunities based on customer needs, market trends and data.
• Lead, develop, and motivate the Growth Managers team.
• Bachelor’s or Master’s degree in Business, Finance, Marketing, Economics or related field.
• 5+ years of experience in Growth, Business Development, Commercial Management or related leadership roles within banking fintech or payments.
• Proven experience managing teams and delivering measurable business growth.
• Strong understanding of transactional business models, banking economics and customer lifecycle management.
• Ability to translate analytics into commercial action plans.
• Strong leadership, stakeholder management and negotiation skills.
• Knowledge of RA legislation regarding banking and payments.
• Proficiency in Armenian, Russian, and English (written and spoken) is required

• Strategic Thinking – ability to define growth vision and commercial roadmap.
• Leadership & Coaching – building high-performing growth teams.
• Commercial Mindset – maximizing value, revenue, and profitability.
• Analytical & Data-Driven – using insights to accelerate growth.
• Execution & Ownership – delivering ambitious growth targets.
• Innovation-Oriented – creating new partnerships and growth models.