Assistant Manager – Product Owner (Cards)

Position: Assistant Manager – Product Owner (Cards)

Grade: OG-I

Department: Business

Location: Karachi

Job Summary

The Assistant Manager – Product Owner (Cards) will support the development, enhancement, and performance management of Raqami’s cards and digital payments portfolio. This role works closely with cross‑functional teams to execute product initiatives, improve customer journeys, and ensure compliance with SBP regulations and Islamic banking principles. The position plays a key role in driving digital adoption, customer experience excellence, and sustainable portfolio growth.

Key Responsibilities

• Support execution of the product roadmap for Debit, Prepaid, Virtual, and Credit Cards
• Assist in managing end‑to‑end card customer journeys including issuance, activation, usage controls, disputes, and payments
• Support enhancement of digital payments services such as mobile top‑ups, bill payments, and fee collections
• Coordinate with internal stakeholders including Digital Banking, IT, Operations, Risk, Compliance, Shariah, and Marketing teams
• Liaise with external partners such as card schemes (Visa, MasterCard, PayPak) and technology vendors for operational matters
• Monitor and report key performance indicators including activation rates, transaction volumes, and customer feedback
• Ensure ongoing compliance with SBP regulations, internal policies, and Islamic banking guidelines
• Maintain accurate documentation for audits, governance, and internal reporting

Requirements

• Bachelor’s degree in Business Administration, Banking & Finance, or a related discipline
• Master’s degree preferred
• 2–3 years of experience in product management, digital banking, cards, or payments-related roles

Skills & Competencies

• Understanding of card lifecycle management and digital payments ecosystem (e.g., bill payments, telco top‑ups, Raast)
• Familiarity with digital banking platforms and customer journeys
• Awareness of SBP regulations and Islamic banking concepts (preferred)
• Strong analytical, reporting, and Excel skills
• Good communication and stakeholder coordination abilities
• Detail-oriented with a results-driven mindset

Why Join Raqami?

• Be part of a digital-first, Shariah-compliant bank shaping the future of banking in Pakistan
• Gain hands-on exposure to modern cards and digital payments products
• Work in a collaborative, growth-oriented environment with strong learning opportunities
• Contribute directly to innovation, customer experience, and financial inclusion
• Opportunity to grow within a dynamic and evolving digital banking ecosystem