Head Product, Segments & Relationship Management

Job ID: 42580

Location: Karachi, PK

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 10 Nov 2025

• Develop medium to long-term Business Banking strategy and support the General Manager in its implementation.
• Identify market trends and target customer needs to review and recommend product/service offerings.
• Periodically review Credit Policy to ensure alignment with Business Banking strategy and risk appetite.
• Achieve balance sheet growth with a balanced risk-reward approach.
• Address key issues and opportunities to enhance business performance.
• Collaborate across business functions to maximize performance for Business Clients.
• Determine customer, business, revenue, and profit targets for the Business Banking segment.
• Launch appropriate marketing campaigns and initiatives to enhance sales efforts.
• Rollout and develop a global suite of standardized products tailored to local needs.
• Collaborate with key stakeholders to provide direction on market opportunities and execution.
• Lead the Business Banking Product & Segment team to achieve the Bank’s Conduct Principles.
• Identify, escalate, mitigate, and resolve risk, conduct, and compliance matters effectively.
• Ensure effective governance on risks and controls within the team.
• Build and leverage strong alliances and business partner networks to enhance brand propositions and optimize retail balance sheet returns.
• Manage product design and delivery strategy, and develop relevant procedures and processes.
• Oversee management of Business Banking marketing collateral and website.

• Sales Acumen
• Commercial Banking Expertise
• Trade-Based Facilities
• Commercial and Trade Lending
• Leadership and People Management
• Strategic Planning
• Market Analysis and Product Innovation
• Risk Management
• Stakeholder Collaboration

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.