AD Cards & Online Payments

About easypaisa digital bank:

easypaisa is Pakistan’s first digital bank and has advanced Pakistan’s digital finance landscape. Backed by our shareholders, Telenor Group-a leading telecom operator in Asia and the Nordics- and Ant Group-the force behind Alipay, the world’s leading open internet platform, easypaisa deliver secure, convenient financial solutions to millions of Pakistanis.

Position Summary:

As Assistant Director – Cards and Online Payments will play a pivotal role in shaping the future of card-based and digital payment experiences in Pakistan. Incumbent be responsible for the end-to-end development, management, and optimization of products across Debit Card Issuance, Card Acquiring, OEM based payments and the Online Payments Gateway.

This role requires close collaboration with cross-functional teams including engineers, designers, compliance, business, and external partners like Visa, Mastercard, and payment gateways. You will lead product ideation, define roadmaps, oversee delivery, and ensure regulatory alignment with the State Bank of Pakistan and global schemes.

Your responsibilities will include driving innovation in card and online payments, identifying market trends and user needs, ensuring high performance and availability of payment products, and delivering seamless and secure payment experiences. A strong grasp of emerging payment technologies, digital wallets, and transaction security is critical.

We are looking for a self-starter with a deep understanding of card issuing and acquiring, payment gateway integration, and mobile payment ecosystems, who can thrive in a fast-paced, agile environment and is passionate about creating impactful financial products that scale.

Duties and Responsibilities:

1. Lead the development and execution of the product strategy for debit card issuance, card acquiring, and online payment solutions, including OEM Pay integrations (Apple Pay, Google Pay) and easypaisa’s Online Payment Gateway.
2. Gain deep insights into customer behavior, merchant needs, and industry trends to identify product gaps and generate innovative payment solutions that enhance user experience, drive adoption, and grow market share.=
3. Drive the design, development, and go-to-market of card-based payment products, ensuring seamless issuance, activation, and usage across digital and physical acceptance points.
4. Manage the end-to-end lifecycle of card and payment gateway products, from ideation, requirements gathering, and technical design, through to development, launch, and continuous enhancement.
5. Collaborate with international schemes (Visa, Mastercard, UPI, Paypak) and OEM partners to integrate and maintain compatibility with global digital wallet standards and ensure tokenization security compliance.
6. Work closely with internal stakeholders including Compliance, Risk, Finance, Legal, Operations, and Engineering to ensure regulatory alignment, risk mitigation, and smooth delivery.
7. Champion the use of agile delivery methodologies, participating in sprint planning, backlog grooming, and reviews to ensure efficient and timely product delivery.
8. Conduct detailed competitor analysis, user research, and data-driven assessments to define success metrics (KPIs), track performance, and optimize the customer journey for card and payment services.
9. Collaborate with acquiring partners and merchants to expand acceptance infrastructure, and scale usage of NFC, and online payment channels.
10. Define and manage product documentation including functional specs, user flows, scenario mapping, and tokenization workflows for OEM Pay use cases.
11. Ensure strong post-launch support, including monitoring performance, addressing issues proactively, and driving improvements based on user feedback and analytics.
12. Contribute to marketing and campaign planning to drive product awareness and adoption, ensuring messaging aligns with overall product vision.
13. Promote a culture of innovation, performance, and accountability within the team while adhering to Easypaisa Digital Bank behaviors and values.
14. Establish and maintain a robust framework for risk, compliance, and data protection, especially in areas of card tokenization, customer onboarding, and online transaction processing.

Direct Reports:

• 2 Direct reports

Role Relationship

Internal

• Finance/Strategy /Risk/Compliance
• Project Managers Technology/IT
• Branchless team
• Operations
• Business segments

External

• Ant Financial
• SBP
• Vendors/solution providers
• Telcos
• 1 Link

Knowledge and Experience

Education: Bachelors / Masters (Computer Science preferred)

Experience: 5+ yrs. of work experience

Behavioral Skills & Competencies:

• Solid demonstrable digital payment product management,
• Project management, and product development experience in Financial Services /banking sector.
• App based product experience will be added advantage.
• Excellent Analytical Skills