Head of Digital Business Development Unit

AMIO BANK

- Define and own the growth strategy for digital products, aligned with the bank’s strategic and financial objectives - Drive customer acquisition, activation, engagement, retention and monetization across digital channels - Identify and prioritize growth opportunities across payments, cards, lending, bundles and onboarding journeys - Build and optimize commercial models, pricing approaches and revenue streams - Benchmark competitors and market trends to strengthen market positioning - Lead, mentor and develop the Growth Managers team - Establish clear ownership and accountability for product performance metrics - Coordinate with Product, Marketing, CRM, Data, IT and Sales teams to execute growth initiatives - Build strategic partnerships with payment networks, fintechs, merchants, telecoms, lifestyle and ecosystem partners - Ensure strong governance and reporting on business performance and growth pipeline - Develop lifecycle strategies to improve activation, repeat usage, cross-sell, and retention - Work with CRM and Marketing teams to design targeted campaigns and personalized customer journeys - Increase adoption of digital products through customer education, incentives, and promotions - Strengthen customer loyalty through bundled offers and ecosystem propositions - Define and monitor key growth metrics such as acquisition, MAU, adoption, retention and revenue growth - Use quantitative and qualitative insights to optimize growth levers - Build business cases for new initiatives and assess ROI - Partner with Marketing/Data/CRM teams to implement A/B testing, segmentation, and performance dashboards

- 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 digital 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

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