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 seeking a Product Manager- Personal Finance & BNPL in Karachi to lead the development, growth and optimisation of its Personal Finance and Buy Now Pay Later portfolio.
•Develop and execute the product roadmap for Personal Finance and BNPL products •Own the product vision, value proposition, growth strategy and commercialization initiatives •Drive portfolio growth, customer acquisition, utilization and profitability targets •Analyze customer behavior, market trends and competitor offerings to identify growth opportunities •Define product features, pricing, eligibility criteria and customer propositions •Lead end-to-end product lifecycle management from ideation through implementation and optimization •Design and enhance digital financing journeys including application, approval, disbursement and servicing processes •Partner with Technology teams to prioritize and deliver product enhancements and new capabilities •Define business requirements, user stories, process flows and functional specifications •Manage product backlogs and ensure timely delivery within Agile environments •Lead User Acceptance Testing (UAT), business validation and release activities •Monitor portfolio performance including volumes, disbursements, profitability, approval rates and customer adoption •Utilize customer insights and analytics to drive product improvements and informed decision-making •Collaborate with Risk, Credit, Compliance, Legal, Finance, Operations and Marketing teams •Manage relationships with merchant, fintech and ecosystem partners supporting BNPL and financing solutions •Improve customer journeys and reduce friction across financing and servicing processes •Ensure compliance with regulatory requirements, Shariah principles and internal governance standards •Prepare performance dashboards, business cases, management reports and presentations •Drive continuous improvement initiatives to enhance customer experience, operational efficiency and portfolio performance
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, Economics, Information Technology, Computer Science, Engineering
- Masters: Business Administration
5-8 years in Product Management, Retail Banking, Consumer Finance, Digital Financing, BNPL, FinTech or Digital Banking; strong experience managing Personal Finance, BNPL, unsecured financing or related retail financing products; proven track record of product development, digital customer journey management and portfolio growth Preferred: Islamic Banking experience
Consumer Financing Products, Buy Now Pay Later (BNPL), Digital Financing Solutions, Product Lifecycle Management, Product Strategy & Roadmap, Customer Journey Design, Portfolio Performance Management, Product Analytics & KPIs, Business Analysis, Agile/ Scrum, User Acceptance Testing, Stakeholder Management, Customer Experience Management, Regulatory Compliance
Application
- Curriculum Vitae
About the Employer
Raqami Islamic Digital Bank