Divisional Head – Digital Assets & Liability Products

Responsibilities:

Product Strategy & Vision

• Define and execute the digital product strategy for both assets and liabilities products.
• Identify new product opportunities and emerging technologies to enhance customer experience and improve unit economics.
• Align product roadmap with the organization's overall digital transformation goals and regulatory framework.

Product Development & Innovation

• Lead end-to-end product development, from ideation to launch and beyond.
• Oversee digital onboarding flows, eKYC integration, risk profiling, and credit underwriting journeys.
• Drive automation and personalization in digital savings, deposits, and lending products.

Team Leadership & Collaboration

• Lead a cross-functional team of product managers, UX designers, and business analysts.
• Collaborate closely with technology, risk, compliance, operations, and marketing teams to ensure timely and compliant delivery.
• Manage partnerships with fintechs, credit bureaus, and third-party service providers for API-based integration.

Performance & Optimization

• Monitor key performance indicators (KPIs) including product uptake, NIM (Net Interest Margin), customer engagement, and churn.
• Use data-driven insights to iterate on features and optimize user journeys.
• Ensure asset quality and product profitability in line with regulatory and internal risk appetite.

Compliance & Risk

• Ensure adherence to local regulatory guidelines (e.g., SBP, SECP) and data protection laws.
• Maintain robust product governance and controls for all digital financial products.

Requirements:

Education & Experience:

• Bachelor’s or Master’s degree in Business, Finance, Computer Science, or a related field.
• 10+ years of experience in digital banking, product management, or fintech, with at least 3 years in a senior role.
• Proven experience in launching and scaling digital lending or deposit products.

Skills & Competencies:

• Strong understanding of digital banking trends, open banking APIs, and mobile-first product design.
• Experience with agile development, customer journey mapping, and product analytics tools.
• Excellent leadership, communication, and stakeholder management skills.

Preferred :

• Experience in Pakistani, GCC, or Southeast Asian digital financial services markets.
• Exposure to B2B embedded finance, BNPL, or digital wallet ecosystems.

Job Location: Lahore, Pakistan