Malcolm Govender

• Lead the creation of the Business Segment Product strategy in line with the overarching business goals
• Ensure effective implementation of the strategy by means of providing direction, structure, frameworks, models, plans and roadmaps
• Define detailed plans for various digital channel products and services
• Develop and plan the channel strategy, aligning to overall functional strategy
• Partner with cross-functional teams to leverage the data & customer analytics insights to shape the product strategy, product features, design & user experience
• Proactively guide the design, development, and support of features
• Create data driven insights, reports and interpret complex business data. Draw conclusions and make actionable plans to improve existing customer experiences and create new payments & e-commerce growth initiatives/programs
• Guide the overall UI/UX experience and ensure the product meets the set standards
• Lead the development and execution of strategic digital marketing plans to increase sell-through, gain market share, and drive usage of the product
• Manage product budgets in line with overall business objectives
• Prepare proposal on change initiatives, policies, and procedures
• Manage third-party development teams to ensure product updates are timely and has the least impact on customers

• Successfully launched the Avo super app which has a total of 2 million customers and 25 000 businesses
• Successfully launched the Avo B2B Marketplace in 2022
• End to end ownership of the platform
• Responsible for defining and communicating the product strategy and product roadmap
• Developing and maintaining a prioritized backlog of user stories for implementation
• Provide guidance in mitigating impediments impacting the completion of Release/Sprint Goals
• Prioritizing features in the backlog before Sprint and setting Sprint goals
• Defining epics and MVP approach for large features
• Managing the agile teams work by allocating the necessary JIRA tickets in the sprint
• Providing backlog management, iteration planning, and elaboration of the user stories
• Providing input and guidance to design teams on experience design areas
• Signing off all artefacts customer facing or internal
• Responsible for signing off all Artefacts across the teams
• Documentation of Journey Maps, Persona’s, process flows using MIRO
• Acts as an ambassador for the product internally and externally, and as the primary technical contact for queries related to the product
• Lead the planning of product release plans and set expectation for delivery of new functionalities
• Drive commercialization activities to ensure we reach GMV and Revenue targets
• Craft marketing campaigns to drive acquisition and growth on the platform
• Develop business case when motivating for funding.

• Responsible to research and evaluation of new technologies to improve our products and better address customer needs
• Managed and directed research programs to meet organizational needs and to capitalize on potential new products
• Developed and implemented research and development procedures and techniques
• Participated in the development of projects that may consist of a variety of innovation challenges including brand-led innovation, new business creation, new products, and strategic whitespace development
• Developed business cases to support innovation strategy which gets prioritised for implementation
• Building and tracking business cases from a product development perspective for technology products and services
• Owning and building the business cases (cost and scope elements) for technology MVPs and the tie-in with product development
• Building the scenarios (scenario planning), based on thorough research, into those business cases
• Creating compelling project approaches and helping pitch for new business opportunities
• Mine data to uncover key insights to inform and drive product development, sales priorities, communications, and cross functional alignment on Innovation platforms
• Working with marketing to implement and test various marketing strategies
• Brainstorm and work collaboratively to solve emerging digital issues impacting customers and products
• Support the team with the development of consumer research objectives and market research plans needed to build the business case for new platform innovation
• Conduct independent research and analysis on product and digital issues
• Work with Business Intelligence team on qualitative and quantitative research initiatives, including surveys, focus groups, ethnographies, positioning tests and packaging studies that will inform the positioning and go-to-market planning
• Assist with new product design, packaging development, innovation roadmaps and launch strategies by being the voice of research and championing data findings
• Leading commercial negotiations/legal agreements with third parties.

• Successfully launched Card Acquiring/FMCG Payments/Merchant Payments/Digital Onboarding in the informal economy
• Responsible for the strategic vision and execution of the client experience
• Creating product roadmap and direction on digital experiences | Providing input and priority into sprint planning/backlog
• Driving business requirements and product feature definition for a product or product portfolio to ensure a seamless end-to-end customer experience
• Defining and assigning features to specific releases to meet key business objectives
• Responsible for execution; backlog grooming and refinement, defining iteration content; story elaboration, iteration planning
• Set product prioritization and ensured appropriate delivery through cross-functional teams
• Responsible for driving product adoption and usage by looking at various marketing strategies
• Providing strategic input to customer experience improvements that help drive customer acquisition, customer retention, and conversion
• Facilitating design thinking workshops / creating personas / prototyping
• Responsible for driving process to understand customer behavior through behavioral science research methodologies
• Focused on business impact and came up with recommendations informed by solid data analysis and metrics
• Driving all process improvements internal and external to ensure delivery of a valuable product with good customer experience
• Driving commercial discussions/negotiations with third parties | Core team member driving diversification of growth strategies across the group
• Contributed to the pipeline of projects by leveraging market insights to identify and conceive of new and disruptive product ideas.

• Successfully implemented Flexcube core banking solution in Rest of Africa
• Responsible for driving and delivering the Digital Banking Strategy for Rest of Africa
• Driving all business requirements from the Rest of Africa subsidiaries
• Creating and communicating Product vision and roadmap
• Part of the Core team who was responsible for delivery of Flexcube (Core Banking Solution) and Mobile App Banking in Rest of Africa subsidiaries
• Understanding of customer experience, identifying, and filling product gaps, and generating new ideas that grow market share, improve customer experience and growth
• Research and prioritise user requirements, strategic and business requirements, and functional requirements
• Managing the entire Product lifecycle from strategic planning to tactical activities | Conducting Pricing Analysis and Recommendations
• Documenting functional requirements, user /process flows and information architecture of software applications and transactional, informational, and marketing websites
• Developing and documenting (via wireframes) detailed user experience specifications for highly interactive interfaces.

• Successfully launched the first wholesale banking App in 2012 in S.A
• Channel Manager for NetBank Business Wholesale Internet Banking and NetBank Business Mobile App
• Responsible for Channel profitability – Monitor end- to- end channel performance / health
• Input into channel strategy and enhancements | Input and sign off on business requirement specifications | Input into test strategy and test cases /signing off on UAT testing
• Keep abreast with market insights to make appropriate decisions on my portfolio, relating to factors such as economical, technology, systems, market risk, compliance, and legal matters
• Develop products with a view to ensure product acquisition, up selling and cross selling, migration, retention to contribute to NIR
• Gather and analyse feedback from sales, marketing, operations and partners/prospects to set the strategic vision for existing products and development of new products
• Develop and implement strategy to drive product and customer service onto the web
• Provide guidance and direction to product managers on developing new products and managing the lifecycle of existing products
• Manage the existing stable of products and lead the ongoing development of enhancements to support increased value to customers
• Drive transactional excellence by ensuring stability, up time, continuous innovation, with excellent service/support on one of the most secure electronic banking platforms in the world.

• Responsible for driving innovation on Wholesale Digital Channels | Conduct competitor pricing analysis and compile pricing proposals
• Deliver excellence service that exceeds customers’ expectations through initiative-taking, innovative and appropriate solutions
• Develop a product strategy aligned to business strategy to ensure business growth and sustainability
• Translate strategies into actionable goals and execute relevant projects/initiatives aligned to strategic objectives
• Implement and maintain sound business processes that minimizes risk and deliver quality requirements
• Manage designated product development projects from inception to final execution, including post implementation
• Engage business on Product and ensure alignment / match with business requirements and changes
• Explore local and international markets for new products to expand and strengthen business position
• Facilitate the conversation of knowledge and ideas into new or improved products, processes, and services
• Provide advice to business stakeholders on product and pricing related matters
• Responsible for ensuring that support areas have the necessary training/training material to support new products.