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expert product risk intelligence

JazzCash

<div>
 
 Title: Expert Product Risk Intelligence
 
 Grade Level: L1/L2
 
 Location: Islamabad
 
 Last Date to Apply: 5th December 2025
 
 
 
 What is Expert Product Risk Intelligence?
 
 
 
 As the Expert Product Risk Intelligence, you will be the analytical backbone of our product portfolio keeping a close pulse on performance, growth, and risk of Largest Fintech of Pakistan. You will turn complex data into actionable insights, ensuring our products remain healthy, profitable, and future-ready. This role sits at the intersection of finance, risk, and product performance, a perfect fit for someone who loves combining analytics with strategic business impact.
 
 
 &nbsp;
 
 
 
 What does Expert Product Risk Intelligence do?
 
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Continuously evaluate the
 
 quality and performance
 
 of lending portfolio, identifying emerging trends, portfolio risks, and early warning signals in repayment behaviour.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Conduct
 
 portfolio and product-level analysis
 
 including churn, acquisition, and repayment trend studies to support sustainable portfolio growth and control credit losses.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assess
 
 financial performance of lending and wealth products
 
 , including revenues, margins, costs, and provisioning adequacy.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Partner with
 
 FP&amp;A and Risk
 
 teams for accurate financial reporting, month-end closings, and forecasting cycles, ensuring data integrity and timely insights for management.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Contribute to
 
 business planning and forecasting
 
 through sound financial models and scenario analysis around loan growth, yield, and risk trends.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Oversee the
 
 insurance, investment and merchant portfolios
 
 , monitoring growth, persistency, profitability, and income realization.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Collaborate with Product Heads, FP&amp;A, Risk, and Commercial Planning teams to provide actionable insights and improve financial decision-making.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Prepare and maintain
 
 management dashboards and review packs
 
 that summarize key portfolio KPIs and financial metrics for senior management.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ensure full compliance with
 
 regulatory and prudential guidelines
 
 issued by
 
 SBP, SECP, and other relevant authorities
 
 , including accurate reporting and time to time audits etc.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Support regulatory and internal audits, coordinate with compliance teams, and implement recommendations to strengthen portfolio governance and financial control.
 
 
 
 
 JazzCash is an equal opportunity employer. We celebrate, support, and thrive on diversity and&nbsp; are committed to creating an inclusive environment for all employees.
 
 
 
 
 
 Requirements
 
 
 
 
 
 What are we looking for and what does it require to be an Expert Product Risk Intelligence?
 
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Professional qualification such as
 
 ACCA, ACA, CA, or equivalent
 
 , with strong grounding in financial analysis, reporting, and business performance management.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4-7 years of relevant experience in
 
 financial planning, portfolio performance, or risk analytics
 
 within
 
 banking, NBFC, or financial services
 
 .
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Solid understanding of
 
 lending products, credit risk principles, and portfolio performance dynamics
 
 .
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Working knowledge of
 
 regulatory and prudential requirements
 
 under
 
 SBP and SECP
 
 , including understanding of provisioning, exposure monitoring, and reporting standards.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proficiency in
 
 MS Excel and PowerPoint
 
 for analysis and reporting; exposure to analytics or BI tools (Power BI, Tableau) would be a plus but not mandatory.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exceptional analytical thinking, attention to detail, and a structured approach to problem solving.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Strong stakeholder management and communication skills able to partner effectively with FP&amp;A, Risk, Product, and Compliance teams.
 
 
 &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A proactive, commercially minded approach with the ability to challenge assumptions and drive data-backed decisions.
 
 
 
 
 Benefits
 
 
 
 
 
 Why Join JazzCash?
 
 
 
 As one of the largest digital financial services providers in Pakistan, our objective is to continue to change the lives of our 52 million customers for the better.
 
 
 Recognized&nbsp;as one of the leading employers in the country, JazzCash epitomizes the philosophy that each JazzCash&nbsp;employee is passionately living a better life every day, inspired and enabled by visionary leadership, a unique professional culture, a flourishing lifestyle, and continuous learning and development.
 
 
 &nbsp;
 
 
 Our core values include qualities essential for a positive organizational culture - truthfully guiding entrepreneurial and innovative mindsets, harnessing professional and interpersonal collaboration, and fostering across-the-board customer obsession.
 
 
 &nbsp;
 
 
 This is an opportunity for someone who wants to be part of something transformative, someone who can play a critical role in driving our success. Together, we can empower millions more with the tools necessary to progress in an increasingly digital economy.
 
</div>

Expert Product Risk Intelligence

<div>Title: Expert Product Risk Intelligence 
Grade Level: L1/L2 
Location: Islamabad 
Last Date to Apply: 5th December 2025 

 
What is Expert Product Risk Intelligence?
As the Expert Product Risk Intelligence, you will be the analytical backbone of our product portfolio keeping a close pulse on performance, growth, and risk of Largest Fintech of Pakistan. You will turn complex data into actionable insights, ensuring our products remain healthy, profitable, and future-ready. This role sits at the intersection of finance, risk, and product performance, a perfect fit for someone who loves combining analytics with strategic business impact. 
What does Expert Product Risk Intelligence do?<ul><li>Continuously evaluate the quality and performance of lending portfolio, identifying emerging trends, portfolio risks, and early warning signals in repayment behaviour.</li><li>Conduct portfolio and product-level analysis including churn, acquisition, and repayment trend studies to support sustainable portfolio growth and control credit losses.</li><li>Assess financial performance of lending and wealth products, including revenues, margins, costs, and provisioning adequacy.</li><li>Partner with FP&amp;A and Risk teams for accurate financial reporting, month-end closings, and forecasting cycles, ensuring data integrity and timely insights for management.</li><li>Contribute to business planning and forecasting through sound financial models and scenario analysis around loan growth, yield, and risk trends.</li><li>Oversee the insurance, investment and merchant portfolios, monitoring growth, persistency, profitability, and income realization.</li><li>Collaborate with Product Heads, FP&amp;A, Risk, and Commercial Planning teams to provide actionable insights and improve financial decision-making.</li><li>Prepare and maintain management dashboards and review packs that summarize key portfolio KPIs and financial metrics for senior management.</li><li>Ensure full compliance with regulatory and prudential guidelines issued by SBP, SECP, and other relevant authorities, including accurate reporting and time to time audits etc.</li><li>Support regulatory and internal audits, coordinate with compliance teams, and implement recommendations to strengthen portfolio governance and financial control.</li></ul>
JazzCash is an equal opportunity employer. We celebrate, support, and thrive on diversity and are committed to creating an inclusive environment for all employees.
Requirements
What are we looking for and what does it require to be an Expert Product Risk Intelligence?<ul><li>Professional qualification such as ACCA, ACA, CA, or equivalent, with strong grounding in financial analysis, reporting, and business performance management.</li><li>4&ndash;7 years of relevant experience in financial planning, portfolio performance, or risk analytics within banking, NBFC, or financial services.</li><li>Solid understanding of lending products, credit risk principles, and portfolio performance dynamics.</li><li>Working knowledge of regulatory and prudential requirements under SBP and SECP, including understanding of provisioning, exposure monitoring, and reporting standards.</li><li>Proficiency in MS Excel and PowerPoint for analysis and reporting; exposure to analytics or BI tools (Power BI, Tableau) would be a plus but not mandatory.</li><li>Exceptional analytical thinking, attention to detail, and a structured approach to problem solving.</li><li>Strong stakeholder management and communication skills able to partner effectively with FP&amp;A, Risk, Product, and Compliance teams.</li><li>A proactive, commercially minded approach with the ability to challenge assumptions and drive data-backed decisions.</li></ul>
Benefits
Why Join JazzCash?
As one of the largest digital financial services providers in Pakistan, our objective is to continue to change the lives of our 52 million customers for the better.
Recognized as one of the leading employers in the country, JazzCash epitomizes the philosophy that each JazzCash employee is passionately living a better life every day, inspired and enabled by visionary leadership, a unique professional culture, a flourishing lifestyle, and continuous learning and development. 
Our core values include qualities essential for a positive organizational culture - truthfully guiding entrepreneurial and innovative mindsets, harnessing professional and interpersonal collaboration, and fostering across-the-board customer obsession. 
This is an opportunity for someone who wants to be part of something transformative, someone who can play a critical role in driving our success. Together, we can empower millions more with the tools necessary to progress in an increasingly digital economy.</div>

<div><h3 class="jobSectionHeader">Title: Expert Digital Product &ndash; Wealth
 
Location: Islamabad 
Grade Level: L2 
Last Date to Apply : 5th December 2025</h3>
What is Expert Digital Product &ndash; Wealth?
At JazzCash, we are re-imagining how Pakistan experiences insurance &amp; wealth product. The Expert Digital Product- Wealth will drive the evolution of our digital journey&mdash;transforming complex processes into seamless, data-driven, and customer-delight experiences.
This role combines product thinking, design mindset, and analytical problem-solving&mdash;perfect for someone who wants to shape the future of digital insurance &amp; wealth products within Pakistan&rsquo;s leading fintech ecosystem.
You will be leading the productization of insurance claims: from customer journey mapping and claims experience design to automation, analytics, and service excellence. This is a unique opportunity for a curious, purpose-driven professional who wants to make real impact in the digital wealth and protection space. 
What does Expert Digital Product &ndash; Wealth do?
Claims Product Ownership:
Design, manage, and optimize the end-to-end product journey (from subscription to utilization) through deep user empathy and data analytics. Build digital flows, automation rules, and partner integrations to simplify claims processes. 
Customer Journey Mapping:
Lead journey-mapping workshops to identify friction points and design human-centered, seamless experiences across app, call center, and partner touchpoints. 
Experience Metrics &amp; Insights:
Own key KPIs such as TAT, claim acceptance rate, NPS, and digital claim penetration. Use customer insights and journey data to continuously enhance satisfaction and loyalty. 
Cross-Functional Collaboration:
Work closely with Product, CX, Engineering, and Partner Operations teams to turn customer feedback into action. Liaise with insurance partners to ensure best-in-class service delivery and compliance. 
Innovation &amp; Market Intelligence:
Benchmark regional insurtech and wealth platforms to identify new experience models and best practices. Drive experimentation and A/B testing to pilot new digital claim experiences. 
JazzCash is an equal opportunity employer. We celebrate, support, and thrive on diversity and are committed to creating an inclusive environment for all employees.
Requirements
What are we looking for and what does it require to be an Expert Digital Product &ndash; Wealth?<ul><li>Bachelor&rsquo;s or Master&rsquo;s degree in Business, Economics, Finance, or Computer Science.</li><li>2&ndash;4 years of experience in product management, customer experience, or fintech.</li><li>Proven analytical, problem-solving, and storytelling skills.</li><li>Familiarity with journey mapping, service design, or product analytics tools (e.g., Miro, Figma, Power BI, GA).</li><li>Excellent communication skills in Urdu and English.</li><li>A growth mindset, curiosity for technology, and passion for building customer-centric digital products.</li></ul>
Benefits
Why Join JazzCash?
As one of the largest digital financial services providers in Pakistan, our objective is to continue to change the lives of our 52 million customers for the better.
Recognized as one of the leading employers in the country, JazzCash epitomizes the philosophy that each JazzCash employee is passionately living a better life every day, inspired and enabled by visionary leadership, a unique professional culture, a flourishing lifestyle, and continuous learning and development. 
Our core values include qualities essential for a positive organizational culture - truthfully guiding entrepreneurial and innovative mindsets, harnessing professional and interpersonal collaboration, and fostering across-the-board customer obsession. 
This is an opportunity for someone who wants to be part of something transformative, someone who can play a critical role in driving our success. Together, we can empower millions more with the tools necessary to progress in an increasingly digital economy.</div>

Expert Digital Product - Wealth

S&P Global

<div>
 
 
 About The Role:
 
 
 
 
 
 Grade Level (for internal use):
 
 
 
 09
 
 
 
 
 About The Role:
 
 
 
 
 
 Grade Level (for internal use):
 
 09
 
 
 
 About the
 
 
 Role:
 
 Assistant Manager, Client Services - Credit Support
 
 
 
 The Team:
 
 The Client Support team is responsible for providing support to our clients on our business intelligence tools by holding investigative conversations with clients &amp; driving product usage. You will manage this team and gain in-depth knowledge of our S&amp;P Global Market Intelligence Product suite.
 
 
 
 Responsibilities and Impact:
 
 As the face of the organization, your typical day requires you to support associates who answer client queries by leveraging your working knowledge of our platform, your knowledge of multiple industries, and your expert soft skills honed from working with clients. Additionally, you&rsquo;ll help identify and develop new associate&rsquo;s strengths to set them up for success when they progress to other parts of the commercial organization.
 
 
 <ul>
 <li>
 Develop your leadership qualities by helping associates set and achieve goals that are line with the company&rsquo;s vision. Instil a growth mindset, lead by example, and lay the foundation for the next generation of leaders within the company.
 </li>
 <li>
 Continue to develop your product and industry knowledge by serving as a subject matter expert and trainer for associates who need help formulating solutions to the business needs of our expansive client base.
 </li>
 <li>
 Oversee a team of associates who are supporting clients of MI and Cap IQ
 </li>
 <li>
 Monitor staffing levels throughout the day and adjust as needed &ndash; phone, e-mail, chat
 </li>
 <li>
 Coordinate scheduling associates with global leads/local management for MI/CIQ coverage
 </li>
 <li>
 Take lead on any technical issues that arise &amp; coordinate with internal stakeholders (site down/Salesforce/CxEngage issues)
 </li>
 <li>
 Spend a significant portion of your day as a mentor and leader to help newer Associates understand best practices and advanced concepts
 </li>
 <li>
 Ensure customer experience through maintaining quality assurance practices and provide feedback to associates for development
 </li>
 <li>
 Review and follow-up on actionable surveys received from clients daily
 </li>
 <li>
 Assist with onboarding tasks and planning for all incoming new hires
 </li>
 <li>
 Partner with Market Intelligence and Cap IQ trainers by assisting with auxiliary training
 </li>
 <li>
 Make suggestions regarding product usability, presentation, and data quality
 </li>
 <li>
 Assist with recruiting and hiring
 
 
 </li>
 </ul>
 
 
 Basic Qualifications:
 
 
 
 
 
 What We&rsquo;re Looking For:
 
 
 
 <ul>
 <li>
 Minimum of a Bachelor's/College degree in Economics, Finance or equivalent
 </li>
 <li>
 Strong knowledge in finance and understands the business models of companies within our covered industries
 </li>
 <li>
 Excellent written and verbal interpersonal skills, strong attention to detail and ability to multitask effectively
 </li>
 <li>
 Team-player mentality with strong collaboration skills
 </li>
 <li>
 Can independently see projects/initiatives through to completion
 </li>
 <li>
 Flexible to changes in a dynamic environment
 </li>
 <li>
 Proficiency with the S&amp;P Capital IQ Pro and S&amp;P Capital IQ Platforms
 
 
 </li>
 </ul>
 
 
 About S&amp;P Global Market Intelligence
 
 
 
 
 At S&amp;P Global Market Intelligence, a division of S&amp;P Global we understand the importance of accurate, deep and insightful information. Our team of experts delivers unrivaled insights and leading data and technology solutions, partnering with customers to expand their perspective, operate with confidence, and make decisions with conviction.
 
 
 For more information, visit www.spglobal.com/marketintelligence.
 
 
 
 What&rsquo;s In It For
 
 
 You?
 
 
 
 
 
 Our Mission:
 
 
 
 
 Advancing Essential Intelligence.
 
 
 
 
 Our People:
 
 
 
 
 We're more than 35,000 strong worldwide&mdash;so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all.From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We&rsquo;re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. Join us and help create the critical insights that truly make a difference.
 
 
 
 
 Our Values:
 
 
 
 
 
 Integrity, Discovery, Partnership
 
 
 
 Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals.
 
 
 
 
 Benefits:
 
 
 
 
 We take care of you, so you can take care of business. We care about our people. That&rsquo;s why we provide everything you&mdash;and your career&mdash;need to thrive at S&amp;P Global.
 
 
 
 Our Benefits Include:
 
 
 
 <ul>
 <li>
 Health &amp; Wellness: Health care coverage designed for the mind and body.
 </li>
 <li>
 Flexible Downtime: Generous time off helps keep you energized for your time on.
 </li>
 <li>
 Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills.
 </li>
 <li>
 Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
 </li>
 <li>
 Family Friendly Perks: It&rsquo;s not just about you. S&amp;P Global has perks for your partners and little ones, too, with some best-in class benefits for families.
 </li>
 <li>
 Beyond the Basics: From retail discounts to referral incentive awards&mdash;small perks can make a big difference.
 
 
 </li>
 </ul>
 For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries
 
 
 
 
 Global Hiring And Opportunity At S&amp;P Global:
 
 
 
 
 At S&amp;P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets.
 
 
 
 
 Recruitment Fraud Alert:
 
 
 
 
 If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&amp;P Global never requires any candidate to pay money for job applications, interviews, offer letters, &ldquo;pre-employment training&rdquo; or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here.
 
 
 
 Equal Opportunity Employer
 
 
 
 S&amp;P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment.
 
 
 If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person.
 
 
 
 US Candidates Only:
 
 The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf
 
 
 10 - Officials or Managers (EEO-2 Job Categories-United States of America), OPRTON103.1 - Middle Management Tier I (EEO Job Group)
 
 
 
 Job ID:
 
 322962
 
 
 
 Posted On:
 
 2025-11-25
 
 
 
 Location:
 
 Islamabad, Pakistan
</div>

Assistant Manager

FinVolution

<div>
 
 Job Summary:
 
 
 To spearhead our growth in the digital lending and BNPL space. This role involves identifying new lending opportunities, forming strategic partnerships (B2B and B2C), and driving customer acquisition. You will be a key player in shaping the company&rsquo;s expansion strategy while collaborating cross-functionally to deliver impactful lending products that solve real consumer and merchant pain points.
 
 
 
 
 
 Key Responsibilities:
 
 
 1. Lending &amp; BNPL Growth Strategy
 
 
 &bull;Identify market segments (e.g., e-commerce, retail, youth) where BNPL or micro-lending can drive value.
 
 
 &bull;Work with product and risk teams to localize offerings like installment plans, short-term loans, and embedded finance options.
 
 
 2. Merchant Acquisition &amp; Partnerships
 
 
 &bull;Onboard e-commerce/offline stores, point-of-sale retailers, and service providers to offer BNPL/lending at checkout.
 
 
 &bull;Develop partnership frameworks, pricing, and revenue-sharing models.
 
 
 &bull;Educate merchants on product benefits, customer impact, and integration process.
 
 
 3. Financial Institution &amp; Channel Partner Alliances
 
 
 &bull;Establish relationships with NBFCs, banks, aggregators, or agent networks for co-lending, capital sourcing, or collections support.
 
 
 &bull;Manage partnership lifecycle from due diligence to contract negotiation and performance monitoring.
 
 
 4. Sales Pipeline Management
 
 
 &bull;Develop a strong pipeline of potential partners, merchants, and referral agents.
 
 
 &bull;Lead end-to-end sales process: prospecting, pitching, negotiating, closing, and onboarding.
 
 
 &bull;Track and report KPIs such as lead conversion, active merchant count, disbursed volume, and repeat usage.
 
 
 5. Market Intelligence &amp; Product Feedback
 
 
 &bull;Conduct market analysis on consumer behavior, credit demand, and regulatory changes.
 
 
 &bull;Act as the voice of the market to inform product development, pricing, risk models, and marketing efforts.
 
 
 
 
 
 Qualifications:
 
 
 &bull;Bachelor&rsquo;s degree in Business, Finance, Marketing, or Economics (MBA preferred).
 
 
 &bull;4&ndash;8 years of experience in business development, preferably in fintech/Telco/Digital Banking, digital lending, BNPL, or consumer credit.
 
 
 &bull;Proven success in acquiring B2B partnerships and managing large accounts or merchant networks.
 
 
 &bull;Understanding of consumer lending dynamics, credit lifecycle, and embedded finance models.
 
 
 &bull;Familiarity with digital onboarding, credit scoring, and KYC/AML compliance in the fintech space.
 
 
 
 
 
 Preferred Experience:
 
 
 &bull;Worked in or with e-commerce, POS/retail chains, or platforms offering pay-later solutions.
 
 
 &bull;Strong network with fintechs, merchants, or telcos in Pakistan or similar markets.
 
 
 &bull;Experience working with underbanked populations or developing alternate credit assessment strategies.
 
 
 &bull;Familiarity with the regulatory landscape (e.g., SBP, SECP in Pakistan or other regulators).
 
 
 
 
 
 Key Skills:
 
 
 &bull;Strategic sales and negotiation
 
 
 &bull;B2B partnership development
 
 
 &bull;Credit/lending product understanding
 
 
 &bull;Analytical thinking and reporting
 
 
 &bull;Presentation and communication skills
 
 
 
</div>

Business Development Manager

Kodifly

<div>
 
 
 About Kodifly:
 
 
 
 Kodifly is an AI-first spatial intelligence company transforming infrastructure monitoring and management. Headquartered in Hong Kong Science Park, with an expanded presence in Pakistan and ongoing expansion into the Kingdom of Saudi Arabia, we are backed by HKAI Lab and the Nvidia Inception program. Our expertise spans 3D point cloud processing, digital twin creation, and LiDAR technology. We develop intelligent infrastructure solutions that enable cities and enterprises to operate with greater efficiency and insight. By integrating AI-powered analytics, digital twins, and real-time spatial intelligence, we help our partners streamline asset inspections, elevate quality assurance, and enhance safety throughout the entire infrastructure lifecycle.
 
 
 
 
 
 
 Job Description:
 
 
 
 This position combines the responsibilities of a Product Owner, playing a pivotal role in leading agile software development projects using the Scrum framework. It requires someone with a unique blend of project management expertise, agile methodology knowledge, and business domain understanding.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 
 1. Project Management:
 
 
 ● Plan and manage project scope, budget, and timeline in alignment with agile principles.
 
 
 ● Track project progress and address risks or roadblocks proactively.
 
 
 ● Mentor the team on agile and scrum practices, fostering a collaborative and self-organizing environment.
 
 
 ● Lead and facilitate scrum ceremonies like sprint planning, daily stand-ups, sprint reviews, and retrospectives.
 
 
 ● Ensure smooth communication and collaboration between the team, stakeholders, and product owner.
 
 
 ● Implement agile and scrum processes efficiently, balancing flexibility with structure.
 
 
 ● Create and maintain continuous comprehensive project documentation including but not limited to user stories, acceptance criteria, sprint plans, and release notes during all stages of product development (PRDs, technical specs, etc.)
 
 
 ● Generate and present reports to stakeholders on project status, progress, and key metrics.
 
 
 ● Dive deep into project details and collaborate closely with the development team to understand technical challenges, identify solutions, and collaborate to make informed decisions.
 
 
 
 
 
 2. Product Ownership:
 
 
 ● Focus on long-term product planning.
 
 
 ● Clearly communicate the product vision and business needs to the team.
 
 
 ● Act as the voice of the customer and represent stakeholder interests.
 
 
 ● Create and refine user stories, maintaining and prioritizing the product backlog.
 
 
 ● Work closely with the UI/UX design team using tools like Figma, and with the development team to estimate tasks and features.
 
 
 ● Conduct product demonstrations and gather feedback to improve the product. Focus on usability testing and market research, and collecting insights from customer-facing teams (support, sales) to refine product decisions.
 
 
 ● Make and communicate product scope-related decisions based on user needs and project feasibility.
 
 
 
 
 
 
 Required Skills:
 
 
 
 ● Experience in product roadmapping and aligning it with the overall business goals and strategies.
 
 
 ● Experience in B2G and B2B businesses and clients.
 
 
 ● Strong knowledge of agile methodologies, particularly Scrum.
 
 
 ● Project management experience and skills, including planning, estimation, and risk management.
 
 
 ● Deep understanding of business domain and user needs.
 
 
 ● Excellent communication, collaboration, and facilitation skills.
 
 
 ● Ability to thrive in a dynamic and fast-paced environment.
 
 
 ● Aptitude for learning and adapting to new technologies and processes.
 
 
 ● Aptitude for analyzing system/product requirements and understanding software logic.
 
 
 ● Data Analysis skills or familiarity with tools like Google Analytics or Hotjar.
 
 
 ● Experience with feature prioritization frameworks (e.g., MoSCoW, RICE).
 
 
 
 
 
 
 Additional Notes:
 
 
 
 ● This role requires someone who can switch hats effectively between leading the team and representing the product vision.
 
 
 ● Experience in both project management and product ownership is a plus.
 
 
 ● Depending on the project size and complexity, the level of expertise required may vary
 
 
 
 
 
 
 We Offer:
 
 
 
 ● Opportunity to work with state-of-the-art technology in a rapidly evolving field.
 
 
 ● A collaborative environment where innovation is encouraged and rewarded.
 
 
 ● Competitive salary and share options.
 
 
 ● Professional and personal growth opportunities and a chance to make a significant impact in infrastructure safety and efficiency.
 
 
 
 
 
 
 Join Us at Kodifly:
 
 If you&rsquo;re ready to apply your product skills to tackle real-world challenges and drive technological advancement, Kodifly is looking for you. Apply now and begin your journey at the cutting edge of infrastructure technology! 🚀
 
</div>

Product Owner

<div>Title: Expert Wallet Growth 
Grade Level: L3 
Location: Islamabad 
Last Date to Apply: 5th December 2025 
What is Expert Wallet Growth?
Expert Wallet Growth is responsible for driving end-to-end customer experience and value enhancement across the JazzCash ecosystem. This role focuses on optimizing consumer journeys, designing high-impact engagement frameworks, leading retention and loyalty initiatives, and ensuring that data-driven insights consistently guide commercial decision-making. The position plays a pivotal role in orchestrating cross-functional collaboration across product, marketing, technology, customer care, and compliance to elevate the customer lifecycle and deliver sustainable, high-quality growth.
The role reports directly to the Head of Growth.
What does the Expert Wallet Growth do?
1. Consumer Journey Optimization<ul>
<li>
Map, analyze, and continuously improve customer journeys across app, web, and touchpoints.</li>
<li>Identify friction points and optimize onboarding, activation, engagement, and retention flows.</li>
<li>Collaborate with Product and CX teams to deploy journey enhancements that improve conversion rates and reduce drop-offs.</li>
</ul>
2. Consumer Engagement &amp; Communication<ul>
<li>
Design and execute targeted, segmented communication strategies across digital and in-app channels.</li>
<li>Ensure message relevance, clarity, and alignment with customer needs to drive engagement uplift.</li>
<li>Coordinate with Brand and Digital teams to maintain consistent communication narratives.</li>
</ul>
3. Loyalty Programs &amp; Retention Strategies<ul>
<li>
Lead the development, optimization, and performance of loyalty and rewards programs.</li>
<li>Design retention playbooks that address churn risk, promote habit formation, and expand usage diversification.</li>
<li>Introduce innovative benefit structures aligned with customer motivations and lifetime value goals.</li>
</ul>
4. Data-Driven Decision Making<ul>
<li>
Leverage analytics, dashboards, and behavioral insights to guide strategy and interventions.</li>
<li>Conduct cohort, funnel, and lifecycle analyses to identify opportunities for growth.</li>
<li>Use experimentation frameworks (A/B testing, control groups) to validate hypotheses.</li>
</ul>
5. Budget Management<ul>
<li>
Plan, track, and optimize budgets related to engagement, loyalty, and lifecycle initiatives.</li>
<li>Ensure efficient allocation of spend across channels and programs to maximize ROI.</li>
<li>Provide monthly reporting on budget utilization and performance impact.</li>
</ul>
6. Regulatory Compliance<ul>
<li>
Ensure all communication, engagement activities, and lifecycle interventions follow SBP and PTA guidelines.</li>
<li>Work with Compliance teams to maintain documentation, approvals, and audit readiness.</li>
</ul>
7. Customer Feedback Management<ul>
<li>
Build structured feedback loops through surveys, app ratings, NPS, and consumer insights.</li>
<li>Translate customer feedback into actionable recommendations for product and journey improvement.</li>
<li>Track and report sentiment trends and user experience indicators.</li>
</ul>
8. Cross-Functional Collaboration<ul>
<li>
Work closely with Product, Technology, CX, CVM, Marketing, Customer Care, and Data teams.</li>
<li>Align roadmap execution, customer journeys, and go-to-market timelines across functions.</li>
<li>Support key cross-functional initiatives tied to user engagement, retention, and experience uplift.</li>
</ul>
9. User Education &amp; Training<ul>
<li>
Develop and oversee consumer education initiatives that simplify onboarding and drive feature adoption.</li>
<li>Build content and training material for customers and field teams on JazzCash products.</li>
<li>Partner with Brand and Content teams to ensure material is intuitive, localized, and easy to understand.</li>
</ul>
10. Performance Monitoring &amp; Reporting<ul>
<li>
Track weekly, monthly, and quarterly KPIs tied to engagement, churn, retention, loyalty, and journey performance.</li>
<li>Present insights and recommendations to leadership with clear action plans.</li>
Maintain dashboards and performance trackers for ongoing visibility of lifecycle health. 
<li>
</li>
</ul>JazzCash is an equal opportunity employer. We celebrate, support, and thrive on diversity and are committed to creating an inclusive environment for all employees
Requirements
What are we looking for and what does it require to be Expert Wallet Growth?
Education<ul><li>
Bachelor&rsquo;s or Master&rsquo;s degree in Business, Marketing, Data Science, Economics, or related fields.</li></ul>
Experience<ul>
<li>
3&ndash;5 years of experience in growth, lifecycle management, customer experience, product optimization, or related roles.</li>
<li>Background in Fintech, Telco, Banking, Digital Products, or FMCG preferred.</li>
</ul>
Skills &amp; Expertise<ul>
<li>
Strong command of consumer lifecycle design and journey optimization methods.</li>
<li>Exposure to CLM tools, segmentation engines, and customer analytics platforms.</li>
<li>Hands-on experience with A/B testing, funnel analysis, conversion optimization.</li>
<li>Good understanding of loyalty program mechanics and retention economics.</li>
<li>Strong budgeting, forecasting, and financial discipline.</li>
<li>Ability to interpret customer insights and translate them into product and communication improvements.</li>
<li>Excellent collaboration, stakeholder management, and communication skills.</li>
<li>Familiarity with regulatory frameworks impacting customer communications.</li>
</ul>
Benefits
Why Join JazzCash?
As one of the largest digital financial services providers in Pakistan, our objective is to continue to change the lives of our 52 million customers for the better.
Recognized as one of the leading employers in the country, JazzCash epitomizes the philosophy that each JazzCash employee is passionately living a better life every day, inspired and enabled by visionary leadership, a unique professional culture, a flourishing lifestyle, and continuous learning and development.
Our core values include qualities essential for a positive organizational culture - truthfully guiding entrepreneurial and innovative mindsets, harnessing professional and interpersonal collaboration, and fostering across-the-board customer obsession.
This is an opportunity for someone who wants to be part of something transformative, someone who can play a critical role in driving our success. Together, we can empower millions more with the tools necessary to progress in an increasingly digital economy.</div>

Expert Wallet Growth

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