Executive Manager, Digital SME Banking Products

Job Title: Executive Manager, Digital SME Banking Products

Grade: VP

Reports to: Head, Digital Banking

Location: Head-Office

About the Role:

The Executive Manager – Digital SME Banking Products will lead the end-to-end development, enhancement and digitization of SME-focused financial products. While digital credit and lending remain a core component of the role, the incumbent will also oversee a wider portfolio of SME offerings including savings, payments, cash-flow solutions, merchant services and value-added digital tools.

This role will work closely with Business, Technology, Credit, Risk, Compliance and Operations to design scalable, innovative and customer-centric SME solutions

Key Responsibilities

SME Digital Product Strategy

• Develop and refine the SME product roadmap across product lines (digital supply chain financing solutions, credit access, merchant financing, savings, account, etc.).
• Identify needs of SMEs, micro-enterprises, merchants and other segments using market insights and customer data.
• Benchmark SME offerings across the industry and region to identify gaps and opportunities.
• Ensure alignment with regulatory frameworks, risk appetite and the bank’s digital strategy.

Digital Lending & Credit Innovations

Design and digitize end-to-end SME and lending journeys (Origination to Disbursement and Collections, Merchant integration).

• Digitize and optimize lending products end-to-end for SME customers (working capital, term loans, invoice financing, merchant credit, etc.).
• Support creation of new digital credit offerings such as supply chain finance, embedded lending, and platform-based financing.
• Collaborate with Credit and Risk to design automated rules, scorecards and underwriting logic.
• Enable integrations with LOS/LMS, CBS, credit bureaus, alternative data sources, and payment systems (including Raast).

End-to-End Product Development

• Lead the complete digital product lifecycle from concept to launch across segments.
• Translate product vision into PRDs, business requirements, user flows and customer journeys.
• Design frictionless digital journeys across mobile app, internet banking, partner portals, and merchant interfaces.
• Work with engineering team to ensure platform readiness, system integration and timely delivery.
• Maintain a structured product backlog and lead sprint planning, reviews, and deployment coordination.
• Drive bundled value propositions including payments, payroll solutions, QR acceptance, and partner integrations.
• Enable embedded finance through partnerships with fintechs, aggregators and marketplaces.
• Enhance customer stickiness and lifetime value through ecosystem strategy.

Regulatory & Governance Alignment

• Ensure product structures comply with SBP regulations and internal credit policies.
• Coordinate with Compliance, Risk and Internal Audit for necessary approvals.
• Embed responsible lending principles and consumer protection safeguards within product design.
• Maintain updated documentation for regulatory reviews.

Qualifications & Experience

Education

• Bachelor’s/Master’s in Computer Science, Business, Finance or a related field.
• Certifications in product management, UX, digital banking or credit risk are a plus.

Experience

• 7+ years in SME digital banking, product development, lending systems or fintech.
• Hands-on experience with LOS/LMS, scoring engines, APIs, bureau integrations and digital KYC.
• Strong understanding of retail/SME lending workflows, underwriting, and risk assessment.
• Ability to write BRDs, PRDs and credit logic documentation.
• Experience in user journey design and digital optimization.
• Strong analytical skills for funnel monitoring and portfolio evaluation.
• Clear and structured communication.
• Strong stakeholder collaboration and cross-functional leadership.
• Problem-solving mindset with strong ownership.

About MMBL:

Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan instalments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

Why Join MMBL?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavour.