Vicentio Williams
Joahnnesburg
Summary
Global Product Leader | Cash & Liquidity Management | Transaction Banking Expert
Results-driven product executive with over two decades of experience delivering scalable and innovative payment and cash management solutions across South Africa’s leading banks. Demonstrated success in transforming client needs into strategic product roadmaps, driving digital transformation, enhancing customer value, and optimising operational efficiencies. Skilled at navigating complex regulatory landscapes and leading high-impact global and regional initiatives in transaction banking.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Pre-Sales Solutions Consultant
Electrum
08.2024 - Current
- Translate complex technical solutions into tangible business value for clients across financial services.
- Support sales teams in engaging clients with strategic and technical proposals aligned to Electrum’s Payment platform offerings.
- Influence client strategy by designing scalable, cost-effective payment architectures and proofs of concept.
- Collaborated with cross-functional teams to design and implement customized solutions for clients in various industries.
- Bridge the gap between commercial and delivery teams to align client expectations and internal capabilities.
- Drive continuous feedback into product and roadmap discussions based on client needs and market intelligence.
Head of Payments and Collections
Investec Bank
01.2022 - 08.2024
- Developed and commercialised innovative cash, payment and collection solutions for a new business banking vertical.
- Led full product lifecycle from strategy to launch, including pricing, compliance, and operational readiness.
- Enabled revenue growth through digitization and platform enhancements targeting SME and Corporate clients.
- Launched RPP programe for Business and Corporate Transactional Banking clients
- Completed Business case for Debit Order Colections.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Conducted comprehensive market research to identify untapped opportunities for new product development or improvement of existing products.
Product Owner: Payment and Collection Products
Mercantile Bank (Capitec Group)
11.2020 - 01.2022
- Defined roadmap for payment and collection platforms to support business banking clients.
- Collaborated with tech and sales teams to deliver features that improved client experience and increased adoption.
- Designed solutions to meet regulatory and market shifts, including DebiCheck and ISO20022 readiness.
- Launched RTC for business banking clients
- Focused on building critical features up front in order to identify constraints and technical challenges.
- Enhanced product vision by collaborating closely with stakeholders to gather and prioritise requirements.
- Facilitated cross-functional team meetings to address bottlenecks, improving overall project communication and execution.
Senior Product Manager: Transactional Products
Grobank (Now Access Bank)
11.2019 - 10.2020
- Managed a full suite of cash and transaction banking products, focusing on agriculture and commercial clients.
- Drove financial forecasting, process improvements, and market-aligned innovation across the portfolio.
- Consulted with product development teams to enhance products based on customer interest data.
- Launched RTC product for GroBank Business and Alliance banking clients
- Led cross-functional teams for successful product launches, resulting in increased market share.
- Drove go-to-market plans for product releases, coordinating marketing efforts to raise brand awareness and generate leads.
- Increased product adoption by identifying customer needs and developing innovative product features.
- Enhanced customer satisfaction rates through proactive communication of feature updates related to the products managed.
- Streamlined internal processes by implementing best practices in product management, increasing team efficiency and productivity.
Product Manager: Receipting (Collections)
Rand Merchant Bank
07.2018 - 10.2019
- Oversaw development and lifecycle management of collections product suite (EFT, NAEDO, DebiCheck).
- Partnered with operations and technology teams to implement market-driven enhancements.
- Managed full product lifecycle, from ideation through post-launch support, ensuring consistent quality control measures were in place.
- Reviewed new opportunities to drive business strategy at planning sessions.
- Drove revenue growth by establishing strong relationships with key industry partners.
- Analysed metrics to measure and increase product performance.
Product Manager: Local Payments
Standard Bank South Africa
03.2017 - 06.2018
- Managed end-to-end responsibility for domestic payments products.
- Delivered efficiency and compliance gains through system improvements and feature launches.
- Managed stakeholder expectations effectively throughout the entire product development process.
- Reviewed sales, customer concerns, and new opportunities to drive business strategy at weekly planning sessions.
- Developed product documentation to communicate upcoming features and products to internal teams.
- Improved product functionality with innovative design solutions, resulting in increased sales conversions.
- Liaised with clients to better understand business needs and current market landscape.
- Maintained positive vendor relations to build strong partnerships.
Product Development Manager
Standard Bank South Africa
02.2016 - 02.2017
- Spearheaded digitisation of collection systems and supported regulatory change for Authenticated Collections.
- Championed a culture of innovation, encouraging team members to explore new ideas and challenge conventional approaches.
- Managed product launches by creating plans and coordinating with marketing teams to maximise promotional reach.
- Maintained internal product knowledge database.
- Created product roadmaps to help guide product development processes and align with overall business goals.
- Conducted comprehensive market research to identify untapped opportunities for new product development or improvement of existing products.
- Presented business cases and secured executive alignment for portfolio transformation.
- Enhanced product development processes by streamlining workflows and improving communication between departments.
Implementation Manager: Payments & Cash Management Africa
HSBC Bank Plc
08.2010 - 01.2016
- Delivered multi-country payment and liquidity management implementations for corporate clients.
- Built technical documentation and supported client onboarding for complex treasury needs.
- Troubleshot technical issues during implementations, working closely with IT teams to resolve problems quickly and minimise downtime for clients involved in specific scenarios encountered.
- Presented project updates to senior leadership, highlighting successes and addressing challenges with proposed solutions, ensuring ongoing support for the implementation team's efforts.
- Streamlined implementation processes by identifying inefficiencies and implementing best practices, resulting in reduced project timelines.
- Collaborated with cross-functional teams to ensure successful project outcomes, fostering strong relationships within the organisation.
Team Leader: Banking Services
HSBC Bank Plc
06.2007 - 07.2010
- Managed reconciliation, settlements, and exchange control for client payments in ZAR and FX.
- Collaborated with other department leaders to establish shared goals and ensure alignment across teams.
- Managed conflict resolution among team members, fostering a positive and collaborative work environment.
- Increased customer satisfaction ratings by closely monitoring service quality standards and addressing any issues promptly.
- Streamlined workflows for increased efficiency, reducing turnaround times for critical tasks.
- Developed team members skills through targeted coaching sessions, resulting in improved individual performance.
- Established clear communication channels to facilitate timely exchange of information between team members and stakeholders.
Education
Master of Science - Digital Business
University of Salford
United Kingdom12-2024
Certificate in Management Development -
Milpark Business School
Johannesburg01.2013
Skills
- Cash & Liquidity Management
- Domestic & Cross-Border Payments and Receivables
- Product Leadership
- Strategy Development
- Digital Transformation
- Commercialisation & Growth
- Revenue Expansion
- Business Case Development
- Regulatory & Risk Oversight
- Executive Stakeholder Engagement
- Customer relationship management (CRM)
- Business analysis
Certification
- Scottwork Advancing Negotiation Skills
- FAIS RE5
- Anti-Money Laundering
- Foundational Payments
- Treasury Payments
- Foreign Exchange
Languages
English
Afrikaans
Personal Information
Nationality: South African
Timeline
Pre-Sales Solutions Consultant
Electrum
08.2024 - Current
Head of Payments and Collections
Investec Bank
01.2022 - 08.2024
Product Owner: Payment and Collection Products
Mercantile Bank (Capitec Group)
11.2020 - 01.2022
Senior Product Manager: Transactional Products
Grobank (Now Access Bank)
11.2019 - 10.2020
Product Manager: Receipting (Collections)
Rand Merchant Bank
07.2018 - 10.2019
Product Manager: Local Payments
Standard Bank South Africa
03.2017 - 06.2018
Product Development Manager
Standard Bank South Africa
02.2016 - 02.2017
Implementation Manager: Payments & Cash Management Africa
HSBC Bank Plc
08.2010 - 01.2016
Team Leader: Banking Services
HSBC Bank Plc
06.2007 - 07.2010
Master of Science - Digital Business
University of Salford
Certificate in Management Development -
Milpark Business School
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