Stephen Mensah

Owns the product and innovation function end to end, from strategy and discovery through design, delivery, and post-launch performance. Sets product vision and multi-year roadmap, runs the innovation pipeline, and leads cross-functional teams.

Directed integration architecture and payments connectivity across enterprise banking systems, payment platforms, and core banking infrastructure. Led the integration of 90+ applications through the Oracle FLEXCUBE 11.1 to 14.7 migration and managed a multidisciplinary Agile team.

Led the bank's innovation strategy and emerging technology agenda, focusing on operational efficiency, digital banking capability, and AI-enabled banking services. Established a structured innovation pipeline that drove automation and AI adoption, improving process efficiency from 25% to over 70%.

Managed engineering teams behind mobile apps and digital payments infrastructure, growing digital payment platform adoption from 40% to 95%. Owned the product roadmap for mobile and web banking and translated business objectives into system requirements and release schedules.

Deployed, configured, and troubleshot physical and cloud Hardware Security Modules (HSM) for tier-1 banking and payment institutions across Europe and North America. Configured key management architectures, database encryption layers, and tokenisation models protecting card payment infrastructure.

Scaled the active digital banking user base from 170,000 to over 1.8 million within 24 months. Built and maintained mobile banking platforms, payment integrations, and API services, and set up CI/CD pipelines using Docker, Jenkins, and Git, improving platform uptime from 65% to over 95%.

Supported mobile and web banking platforms across 33 affiliates in the Group's 32-country ecosystem. Designed operational modules for deployment across all 32 countries, adapted to regional financial policy and local gateways, and resolved API and integration issues affecting live customer transactions.

In progress: AWS Certified Solutions Architect.

In progress: TOGAF Enterprise Architecture Foundation.

In progress: Architecture & Cloud Development.

Pursued a Bachelor of Science in Banking and Finance.