Product Manager - Core Banking

Moneybase is a multi award-winning company that forms part of the CC Group which pioneered local financial services in 1971 and which employs 185 people. As Malta’s largest homegrown Fintech, Moneybase is reshaping financial services by offering a comprehensive platform that integrates investments, payments and card services for individuals and businesses alike. We are here to make money simple and committed to offering great customer service, user-friendliness, and innovative solutions that position us as a preferred choice for comprehensive financial management.

Product Manager – Core Team

Moneybase is a Maltese fintech platform for payments, investments and business banking, part of the CC Finance Group. The Core team builds and runs the shared services that every other Moneybase team depends on.

The Product Manager owns the Core product area end to end, working with the team to maximise the value these services deliver to our customers and to the teams that build on them. The Core remit covers:

· Wallets management – the account and wallet infrastructure behind balances, currencies, transactions and accounting.

· Plans – subscription plans for business customers, including pricing, entitlements and billing journeys, customer tiers and their benefits, eligibility and upgrade journeys.

· Account communications – transactional and marketing email, push notifications and in-app messaging, in-app stories and engagement campaigns, and the link management behind them.

· Customer support suite – the platform our support agents use to serve customers across channels, including automation and self-service.

Because these services are consumed by customers and by other Moneybase teams, this role treats internal teams as customers: their requirements feed the roadmap alongside customer needs and commercial goals.

Duties & Responsibilities:

· Accountable for the on-time and quality delivery of software projects.

· Continually liaise with the Product Sponsor on priorities and software product development.

· Own the delivery of the product roadmap across the Core areas.

· Gather requirements from other product teams and internal stakeholders, agree priorities, and communicate changes to shared services ahead of time.

· Develop and maintain an appropriately prioritised product backlog for the team.

· Work with business analysts to define high-level specifications that reflect team and business requirements.

· Own the customer communications stack end to end: templates, localisation, deliverability, consent, and the rules that decide who receives which message and when.

· Work with the Customer Support team on their tooling such as agent workflows, automation and self-service etc to reduce contact volume and handling time, and liaise with them proactively to avoid or minimise customer impact.

· Own the commercial mechanics of business plans and status tiers.

· Manage the third-party platforms behind these services, from evaluation and integration through licensing, cost and performance.

· Collaborate with other teams to understand their requirements and propose solutions that meet them, ensuring delivery against agreed priorities.

· Design prototypes and work with UX/UI designers to design an effective user experience.

· Perform high-level UAT to verify that the solution is in line with the vision.

· Organise, review and report project progress following each sprint. Implement mechanisms to monitor, manage and provide progress on all software development activities within the team.

· Decide and act upon any urgent issues.

· Define and track metrics for each Core area such as contact rates and resolution times for support, conversion and retention for plans and tiers etc and use them to drive the backlog.

· Assess value, develop cases, and prioritise stories, milestones and themes so that work focuses on those with maximum value against the product strategy.

· Conduct appraisals, 121 meetings, identifying training needs, motivating and performance managing the team in collaboration with the Team Lead.

· Ensure effective internal communications both within the respective team and across other teams.

· Act as an ambassador for the product internally and externally and as the primary contact for queries related to the product.

· Proactively drive innovation with new ideas and options made available by new technologies.

Requirements

Experience & Education Requirements

· Educated to degree level or equivalent.

· Strong understanding of the Agile/SCRUM software development cycle.

· Formal certification in product management (e.g. CSPO)

· 5+ years of product management experience in multicurrency core banking and wallet solutions, wealth-tech, banking and/or fintech.

· Track record of shipping customer-facing features in a fast-paced, agile environment, with clear evidence of measurable impact (activation, AUM, conversion, engagement).

· Experience operating within a regulated services environment, working alongside Risk, Compliance, and AML teams on product decisions.

· Experience working in a scale-up or high-growth fintech environment, comfortable with ambiguity and rapid iteration.

· Strong product sense: ability to translate customer pain points and business goals into a clear, prioritised roadmap.

· Analytical and metrics-driven: comfortable interpreting data, and using it to make and defend product decisions.

· Strong in UI/UX and a user-centred mindset, with experience running user research, usability testing, or working closely with design teams to develop intuitive client journeys Experience with customer engagement, CRM or support platforms (email and push providers, support suites, in-app messaging tools) would be considered an asset.

· Experience with subscription pricing, entitlements or loyalty and tier programmes would be considered an asset.

· Comfortable operating autonomously, owning outcomes rather than outputs, in a culture that values speed and iteration over process.

· Ability to communicate complex financial concepts simply and transparently, reflecting a strong sense of customer trust and responsibility.

· Proficient in relational and non-relational databases.

· Has a good technical understanding of Enterprise Web API development.

· Has a general understanding of software architecture.

· Substantial experience in third-party platform integration and vendor management.

Skills Requirements

· Excellent written and oral communication skills.

· Outstanding interpersonal skills.

· Ability to envision and deliver solutions that meet user needs and/or solve business problems.

· Ability to set and manage priorities judiciously, balancing the competing needs of several internal stakeholders.

· Ability to motivate in a team-oriented, collaborative environment.

· Experience of people management and the ability to lead and influence others.

· Able to influence and drive projects to meet milestones and overcome obstacles.

· Proactive and highly organised, with strong time management and planning skills.

· Analytical and inquisitive, with excellent attention to detail.

What we offer:

- Relocation Package and Tax Benefits

- Health Insurance and fitness allowances
- Study Leave
- Fully paid sponsorship schemes for further studies
- Exposure to the very latest technologies
- Opportunities for career growth
- Variable bonus linked to KPI

Visit or to see more about our company

All Applications will be acknowledged and treated with maximum confidentiality
Reference: CCMT04628