A Product Director for Savings is required at BCS Bank. This role is responsible for managing the entire savings and deposit ecosystem of the Bank across digital and physical channels.

BCS Mir Investments is a financial holding company with a 31-year history, providing clients with the widest possible range of brokerage, investment, and banking services. Today, BCS Mir Investments serves over 1 million clients. It employs almost 6,000 people, with branches located throughout Russia (over 40 cities of presence).

BCS Bank is a universal bank and part of the BCS Mir Investments financial holding. The Bank provides private clients and legal entities with a full spectrum of financial services and products, ensuring a high level of service.

Position Objective:

• The role assumes full responsibility for product performance: from client experience and deposit opening speed to product economics (interest rates, profitability), liquidity risks, and compliance with regulator requirements (Central Bank of the Russian Federation, deposit insurance).
• The key task is to implement AI solutions at all stages of the product lifecycle.

Key Responsibilities:

Identify client needs for saving funds and form an optimal product lineup for each segment, including AI-personalized offers.

Analyze the Customer Journey and integrate AI touchpoints to improve experience (from the first look at the rate to receiving interest).

Set tasks for the development and ML teams, control development, test and launch new products on the front-end, monitor their effectiveness and performance after launch.

Product Strategy and Development:

• Formulate the product strategy and roadmap for savings (deposits, savings accounts, securities, "piggy banks", automated savings).
• Develop AI products: manage AI functions end-to-end, from idea generation and prototyping to scaling across the entire client base.
• Integrate AI into key client savings scenarios: personalization of terms, predictive analytics for savings recommendations, smart payment notifications, chatbots for profitability consultations.

Quality and Reliability of AI Solutions:

• Control the quality of AI solutions in terms of UX (intuitiveness of algorithm explanations), technical implementation, competitiveness, and reliability (absence of hallucinations, stable performance during peak loads).
• Ensure the ethics and transparency of AI operation in financial recommendations (compliance with regulatory requirements for AI).

Operational Management and Optimization:

• Optimize attraction and retention processes: reduce churn, increase client conversion to deposits, simplify fund placement scenarios.
• Set requirements for client experience: account opening/closing scenarios, selection of terms and rates, visualization of profitability, automatic top-ups using AI forecasts.
• Collaborate with risk management, compliance, treasury, and customer support: manage limits, ensure compliance with regulatory norms, handle incidents.
• Manage internal operational tools: dashboards for deposit dynamics, financial control tools, and AI model effectiveness analytics.

Team and Economics:

• Manage a cross-functional team (product, analytics, design, development, ML engineers, testing, operations) with clear goals, SLAs, and service quality metrics.
• Be responsible for the growth of the client base, assets, and P&L of the "Savings" product line.

Candidate Requirements:

Experience and Skills:

• Successful experience managing products in the retail savings segment (deposits, savings accounts) in a bank.
• Expertise: deep knowledge of the specifics of the deposit business, working with interest rates, insurance limits, and regulatory requirements of the Central Bank, implementation of specific ML functions in client scenarios.
• Methodology: proficiency in product management and customer experience tools (CJM, user behavior analytics).
• Analytics: ability to work with P&L, build forecasts for fund inflow/outflow, analyze tariffs and the cost of capital attraction.

Personal Qualities:

• Focus on trust and transparency: savings are the "heart" of client relationships; readiness to ensure full transparency of terms, including the operation of AI algorithms.
• Technological leadership: ability to think strategically (AI ecosystem architecture) and tactically (implementing specific ML functions in scenarios).
• Responsibility for quality: willingness to personally control the quality of solutions, their reliability, and compliance with client expectations.
• Flexibility and adaptability: readiness to make decisions in conditions of high rate volatility and rapidly changing technological trends.

Education:

• Higher education (preferably in economics, finance, or product management).

Company Offers:

• 5/2 work schedule from 9:30 to 18:00.
• Comfortable office in the city center (m. Prospekt Mira).
• Access to modern AI tools.
• Comprehensive health support: voluntary medical insurance, including dental care, telemedicine, check-ups; life insurance, international travel insurance, corporate rates for family members.
• Employee discounts and offers.
• Rich corporate life.