Opportunity Information
1
Bank/ Digital Bank/ Microfinance Bank/ Financial Institution
Managerial/ Experienced Professional
Regular/ Full Time
On Site
Karachi
The Role
Raqami Islamic Digital Bank is hiring a Product Manager Auto Finance in its Retail Banking department in Karachi to lead the development, growth and optimisation of the Bank's Shariah-compliant Auto Finance portfolio.
•Develop and execute the Auto Finance product strategy aligned with Retail Banking objectives •Manage the complete lifecycle of Auto Finance products and propositions •Design and enhance Shariah-compliant vehicle financing solutions •Drive financing disbursement volumes, utilization and profitability targets •Define product features, pricing structures, eligibility criteria and customer benefits •Develop and optimize customer journeys across origination, approval, disbursement and servicing •Work closely with Auto Finance Relationship Managers to drive dealer-led business generation •Establish and manage relationships with vehicle dealerships and automotive ecosystem partners •Support development of dealer financing programs and strategic partnerships •Collaborate with Technology teams to digitize and automate financing processes •Monitor portfolio performance, yields, utilization and profitability metrics •Conduct market research and competitor benchmarking to identify growth opportunities •Partner with Credit Risk teams on underwriting criteria, scorecards and product programs •Support development of employer-linked and payroll-based financing programs •Lead User Acceptance Testing (UAT), implementation planning and product releases •Monitor customer feedback and financing performance analytics to identify enhancements •Prepare portfolio reviews, management dashboards and business presentations •Ensure compliance with SBP regulations, internal policies and Shariah principles
Applicants General Eligibility & Requirements
•Equal opportunity employer; applications welcome from all qualified individuals, including Persons
5- 8 years
Education, Experience and Skills Requirements
- Bachelor's Degree (16 Years): Business Administration, Finance, Banking, Economics, Accounting
- Masters: Business Administration
5-8 years in Auto Finance, Consumer Finance, Retail Banking, Product Management, Digital Financing and Islamic Banking Preferred: Experience managing auto finance portfolios, dealer networks or vehicle financing programs; Islamic Banking experience
Auto Finance Products, Islamic Financing Structures, Product Management, Consumer Financing, Dealer Relationship Management, Product Lifecycle Management, Customer Journey Design, Pricing & Profitability Management, Business & Financial Analysis, Digital Financing Solutions, Project Management, Stakeholder Management, Regulatory Compliance
Application
- Curriculum Vitae
About the Employer
Raqami Islamic Digital Bank