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Creative Chaos

<div>Job Summary: Creative Chaos is hiring a Product Manager to own product execution across our transit payments, airtime distribution, and digital wallet systems. This role blends product strategy, requirement definition, cross-functional coordination, and delivery oversight. You will work closely with engineering, operations, and external partners to ship reliable, scalable fintech products.
This is not a purely technical role, but you must be comfortable working with APIs, integration flows, and platform constraints. You will report to senior product leadership and collaborate directly with telco partners, transport authorities, engineering teams, and internal business stakeholders.
Job Responsibilities:
<h3 class="jobSectionHeader">Product Strategy &amp; Discovery</h3><ul>
<li>Lead discovery for new features, market requirements, and client-requested enhancements.
</li><li>Understand customer needs across mass transit, telco integrations, and payment workflows.
</li><li>Support the development of product vision, roadmap, and success metrics for your product area.
</li></ul><h3 class="jobSectionHeader">Execution &amp; Delivery</h3><ul>
<li>Write clear, detailed requirements (BRDs, PRDs, user flows, technical requirement specs).
</li><li>Partner with engineering to define scope, estimate efforts, and plan sprints.
</li><li>Work with design teams to ensure user-centric flows across mobile, web, and agent applications.
</li><li>Track execution, manage releases, and ensure quality for mission-critical systems.
</li></ul><h3 class="jobSectionHeader">Client &amp; Partner Engagement</h3><ul>
<li>Act as a product liaison for telcos, banks, and transport authorities.
</li><li>Lead requirement workshops, clarify functional needs, and coordinate technical integration details.
</li><li>Support client onboarding, UAT cycles, launch readiness, and post-launch optimizations.
</li></ul><h3 class="jobSectionHeader">Technical Alignment</h3><ul>
<li>Collaborate with engineering on API orchestration, backend flows, and platform scalability.
</li><li>Understand constraints related to:
</li><li><ul><li>Telco APIs
</li><li>Payment rails (EMV, ISO8583)
</li><li>NFC/contactless flows
</li><li>USSD/SIM channels
</li><li>Participate in design reviews, testing cycles, and solutioning discussions.</li>
</ul></li>
</ul>Requirements<ul>
<li>
4&ndash;7 years of product management, business analysis, or solution delivery experience.
</li><li>Experience in fintech, payments, telco, or mass transit systems.
</li><li>Strong understanding of transactional products: wallets, airtime/VAS, top-up systems, or payment integrations.
</li><li>Ability to translate client needs into functional and technical requirements.
</li><li>Comfortable working with APIs, system diagrams, and integration workflows.
</li><li>Strong communication skills and confidence in leading conversations with clients and engineering.
</li></ul>Good-to-Haves<ul><li><ul>
<li>
Experience in high-growth or emerging-market startups.
</li><li>Exposure to offline-first transaction systems or contactless/NFC products.
</li><li>Understanding of compliance, reconciliation, and settlement workflows.</li>
</ul></li></ul>
Key Traits<ul>
<li>
Ownership mindset &mdash; drives outcomes, not motion.
</li><li>Structured thinker with strong analytical and problem-solving skills.
</li><li>Excellent communicator across clients, developers, and internal leadership.
</li><li>High adaptability and thrives in fast-moving environments.
</li>Detail-oriented with a strong bias for clarity and documentation. 
<li>
</li>
</ul>What success look like<ul>
<li>
Clients trust you to convert their needs into clear product requirements.
</li><li>Engineering trusts your clarity, prioritization, and technical understanding.
</li><li>The business relies on you to deliver features that drive adoption, revenue, and operational efficiency.
</li><li>You manage your product area end-to-end with minimal supervision.</li></ul></div>

Product Manager - Fintech

<div>
 
 Job Summary:
 
 Creative Chaos is hiring a
 
 Product Manager
 
 to own product execution across our transit payments, airtime distribution, and digital wallet systems. This role blends product strategy, requirement definition, cross-functional coordination, and delivery oversight. You will work closely with engineering, operations, and external partners to ship reliable, scalable fintech products.
 
 
 This is not a purely technical role, but you must be comfortable working with APIs, integration flows, and platform constraints. You will report to senior product leadership and collaborate directly with telco partners, transport authorities, engineering teams, and internal business stakeholders.
 
 
 
 Job Responsibilities:
 
 
 
 
 
 Product Strategy &amp; Discovery
 
 
 
 
 <ul>
 <li>
 Lead discovery for new features, market requirements, and client-requested enhancements.
 </li>
 <li>
 Understand customer needs across mass transit, telco integrations, and payment workflows.
 </li>
 <li>
 Support the development of product vision, roadmap, and success metrics for your product area.
 
 
 </li>
 </ul>
 
 
 Execution &amp; Delivery
 
 
 
 
 <ul>
 <li>
 Write clear, detailed requirements (BRDs, PRDs, user flows, technical requirement specs).
 </li>
 <li>
 Partner with engineering to define scope, estimate efforts, and plan sprints.
 </li>
 <li>
 Work with design teams to ensure user-centric flows across mobile, web, and agent applications.
 </li>
 <li>
 Track execution, manage releases, and ensure quality for mission-critical systems.
 
 
 </li>
 </ul>
 
 
 Client &amp; Partner Engagement
 
 
 
 
 <ul>
 <li>
 Act as a product liaison for telcos, banks, and transport authorities.
 </li>
 <li>
 Lead requirement workshops, clarify functional needs, and coordinate technical integration details.
 </li>
 <li>
 Support client onboarding, UAT cycles, launch readiness, and post-launch optimizations.
 
 
 </li>
 </ul>
 
 
 Technical Alignment
 
 
 
 
 <ul>
 <li>
 Collaborate with engineering on API orchestration, backend flows, and platform scalability.
 </li>
 <li>
 Understand constraints related to:
 </li>
 <ul>
 <li>
 Telco APIs
 </li>
 <li>
 Payment rails (EMV, ISO8583)
 </li>
 <li>
 NFC/contactless flows
 </li>
 <li>
 USSD/SIM channels
 </li>
 <li>
 Participate in design reviews, testing cycles, and solutioning discussions
 
 
 </li>
 </ul>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 4-7 years of product management, business analysis, or solution delivery experience.
 </li>
 <li>
 Experience in fintech, payments, telco, or mass transit systems.
 </li>
 <li>
 Strong understanding of transactional products: wallets, airtime/VAS, top-up systems, or payment integrations.
 </li>
 <li>
 Ability to translate client needs into functional and technical requirements.
 </li>
 <li>
 Comfortable working with APIs, system diagrams, and integration workflows.
 </li>
 <li>
 Strong communication skills and confidence in leading conversations with clients and engineering.
 
 
 </li>
 </ul>
 
 Good-to-Haves
 
 
 
 <ul>
 <li>
 Experience in high-growth or emerging-market startups.
 </li>
 <li>
 Exposure to offline-first transaction systems or contactless/NFC products.
 </li>
 <li>
 Understanding of compliance, reconciliation, and settlement workflows
 
 
 </li>
 </ul>
 
 Key Traits
 
 
 
 <ul>
 <li>
 Ownership mindset &mdash; drives outcomes, not motion.
 </li>
 <li>
 Structured thinker with strong analytical and problem-solving skills.
 </li>
 <li>
 Excellent communicator across clients, developers, and internal leadership.
 </li>
 <li>
 High adaptability and thrives in fast-moving environments.
 </li>
 <li>
 Detail-oriented with a strong bias for clarity and documentation
 
 
 </li>
 </ul>
 
 What Success Look Like
 
 
 
 <ul>
 <li>
 Clients trust you to convert their needs into clear product requirements.
 </li>
 <li>
 Engineering trusts your clarity, prioritization, and technical understanding.
 </li>
 <li>
 The business relies on you to deliver features that drive adoption, revenue, and operational efficiency.
 </li>
 <li>
 You manage your product area end-to-end with minimal supervision
 </li>
 </ul>
</div>

Mashreq

<div>
 Job PurposeResponsible for managing the critical applications of the bank payments processing platform. Works effectively with the business stakeholders, internal teams and vendor in ensuring the product road map and the payment platforms and process improvements. Ensure payments products delivery and support strategy are aligned with the management objectives and goals. Ensures strategic vendor partnership and aligning products / industry road maps of the Payment platforms with business strategy. Responsible for guiding and mentoring the team locally and ensuring high quality of delivery and cross functional expertise with the team.
 
 Key Result AreasManage a diversified team of professionals locally and vendor resources who are responsible for the Payment applications support &amp; project deliveriesProvide expertise and recommendations in the assessment of initiatives to support and enhance systemsPerform appropriate level of stakeholder management across business, technology and clientsEnsure projects and initiatives are aligned to and delivered against the business objectives, serve as highest project internal escalation levelLeading the team to adhere to project and delivery compliance, ensuring compliance of project delivery to PMO, QMS, risk, audit &amp; architecture guidelinesWork as part of a multi-disciplinary team in accordance with defined quality management practices, to achieve the common banks objectivesWorks with business representative, stakeholder to ensure alignment of delivery with the business demandInteract with the team of professionals who are responsible for payment applications (FCY and LCY) support and deliveryAssist the project delivery team during project deliveries as requiredConverge the requirements from regulators and effectively conclude on business requirementCollaborate closely with Product Owners and team members to identify and socialize product and deliverySupport and influence delivery operations within Payments platforms by continually looking for opportunities to streamline delivery, increase business value and measure platform value via metrics and measuresEffectively communicate and showcase the purpose and value of solutions being deliveredProvides strong analytical and problem-solving skillsDemonstrates effective techno-managerial skills, and Proven oratory and written skills
 
 Operating Environment, Framework and Boundaries, Working RelationshipsInteract with project stakeholders from various business and functional reviewsProvide innovative approaches to business problems utilizing existing platforms, AI-ML, Automation tools and solutionsCo-ordination with business and third party stakeholders to manage their expectationEnsure that the management is (at all times) informed of all regulatory risks, issues and their statusAligns to the business continuity and Disaster Recovery plans as per technology framework
 
 Problem SolvingFull compliance with the change management process for all deliverable and production rolloutEnsure Test and release management disciplineProblem and incident managementIncident are reviewed and ensure controls and resolutions in place to avoid similar incidents
 
 Decision Making Authority &amp; ResponsibilityHighlight any concerns affecting deliverables or product/platforms supportsUse effective judgement for achieving better results within an appropriate timeframeEnforce the company&rsquo;s policies and procedures
 
 Knowledge, Skills and ExperienceAbility to communicate clearly with business users and other teamsHands on expertise in payments domainIn depth knowledge on banking business and payment processesGood verbal and written communicationGood analytical / communication skills
</div>

Senior Manager Payments & Integration Services (Mashreq Digital Bank Pakistan)

HugoBank

<div>The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank&rsquo;s Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank&rsquo;s credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank&rsquo;s broader mission. 
Essential Duties and Responsibilities 
Product Strategy &amp; Proposition Development<ul>
<li>
Define and execute the end-to-end product strategy for HugoBank&rsquo;s Credit Card portfolio including secured and unsecured variants aligned with the bank&rsquo;s financial inclusion and lending-first vision.</li>
<li>Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users.</li>
<li>Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan.</li>
<li>Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank&rsquo;s overall product evolution and regulatory milestones.</li>
<li>Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential.</li>
</ul>
Product Design, Development &amp; Implementation<ul>
<li>
Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines.</li>
<li>Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management.</li>
<li>Support testing, UAT, and post-launch monitoring to ensure seamless product rollout.</li>
<li>Regularly review customer journeys and feedback to identify friction points and propose design enhancements.</li>
<li>Contribute to the long-term evolution of the bank&rsquo;s credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements.</li>
<li>Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank&rsquo;s strategic ecosystem.</li>
<li>Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives.</li>
</ul>
Portfolio Management &amp; Performance Optimization<ul>
<li>
Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability.</li>
<li>Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data.</li>
<li>Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history.</li>
<li>Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers.</li>
<li>Build and execute campaigns and offers that drive product stickiness and long-term engagement.</li>
<li>Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.</li>
</ul>
Governance, Risk &amp; Compliance<ul>
<li>
Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies.</li>
<li>Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals.</li>
<li>Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks.</li>
<li>Conduct periodic risk reviews to identify control gaps and implement corrective actions.</li>
</ul>
Cross-Functional Collaboration &amp; Stakeholder Management<ul>
<li>
Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience.</li>
<li>Engage with external partners to ensure seamless delivery and innovation.</li>
<li>Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective.</li>
<li>Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes.</li>
<li>Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts.</li>
<li>Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards.</li>
<li>Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory</li>
<li>6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments.</li>
<li>Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants.</li>
<li>Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization.</li>
<li>Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments.</li>
<li>Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent).</li>
<li>Experience working in banks, fintechs, or card-issuing institutions will be preferred.</li></ul></div>

Products Owner - Cards

<div>
 The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank's Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank's credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank's broader mission.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Strategy &amp; Proposition Development
 
 
 
 <ul>
 <li>
 Define and execute the end-to-end product strategy for HugoBank's Credit Card portfolio including secured and unsecured variants aligned with the bank's financial inclusion and lending-first vision
 </li>
 <li>
 Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users
 </li>
 <li>
 Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan
 </li>
 <li>
 Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank's overall product evolution and regulatory milestones
 </li>
 <li>
 Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential
 
 
 </li>
 </ul>
 
 Product Design, Development &amp; Implementation
 
 
 
 <ul>
 <li>
 Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines
 </li>
 <li>
 Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management
 </li>
 <li>
 Support testing, UAT, and post-launch monitoring to ensure seamless product rollout
 </li>
 <li>
 Regularly review customer journeys and feedback to identify friction points and propose design enhancements
 </li>
 <li>
 Contribute to the long-term evolution of the bank's credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements
 </li>
 <li>
 Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank's strategic ecosystem
 </li>
 <li>
 Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives
 
 
 </li>
 </ul>
 
 Portfolio Management &amp; Performance Optimization
 
 
 
 <ul>
 <li>
 Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability
 </li>
 <li>
 Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data
 </li>
 <li>
 Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history
 </li>
 <li>
 Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers
 </li>
 <li>
 Build and execute campaigns and offers that drive product stickiness and long-term engagement
 </li>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 
 
 </li>
 </ul>
 
 Governance, Risk &amp; Compliance
 
 
 
 <ul>
 <li>
 Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies
 </li>
 <li>
 Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals
 </li>
 <li>
 Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks
 </li>
 <li>
 Conduct periodic risk reviews to identify control gaps and implement corrective actions
 
 
 </li>
 </ul>
 
 Cross-Functional Collaboration &amp; Stakeholder Management
 
 
 
 <ul>
 <li>
 Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience
 </li>
 <li>
 Engage with external partners to ensure seamless delivery and innovation
 </li>
 <li>
 Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective
 </li>
 <li>
 Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes
 </li>
 <li>
 Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts
 </li>
 <li>
 Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards
 </li>
 <li>
 Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory
 </li>
 <li>
 6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments
 </li>
 <li>
 Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants
 </li>
 <li>
 Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization
 </li>
 <li>
 Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments
 </li>
 <li>
 Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent)
 </li>
 <li>
 Experience working in banks, fintechs, or card-issuing institutions will be preferred
 </li>
 </ul>
</div>

<div>
 
 
 About the Company
 
 
 
 
 
 
 Mashreq Digital Bank is committed to providing a best-in-class customer experience while ensuring compliance with regulatory requirements and achieving commercial objectives in the payments domain.
 
 
 
 
 
 
 
 
 
 About the Role
 
 
 
 
 
 
 
 
 
 The Senior Product Owner &ndash; Payments will be responsible for driving the strategy, development, and delivery of payment products with a focus on international remittances and payment instruments. This role will act as the bridge between business, technology, compliance, and operations teams to deliver innovative, customer-centric solutions in line with the bank&rsquo;s digital-first strategy.
 
 
 
 
 
 
 
 
 
 Responsibilities
 
 
 
 
 
 
 
 
 <ul>
 <li>
 
 Product Strategy &amp; Roadmap
 
 </li>
 <li>
 Define, prioritize, and manage the payments product roadmap with emphasis on international remittances and payment instruments.
 </li>
 <li>
 Identify market trends, customer needs, and regulatory developments to shape product direction.
 </li>
 <li>
 Align product strategy with Mashreq&rsquo;s overall digital banking objectives.
 </li>
 <li>
 </li>
 <li>
 
 Product Development &amp; Delivery
 
 </li>
 <li>
 Own the product backlog and ensure timely delivery of features and enhancements through Agile methodology.
 </li>
 <li>
 Partner with technology teams to design, build, test, and launch secure, scalable, and compliant solutions.
 </li>
 <li>
 Lead end-to-end product lifecycle management from ideation to launch and continuous improvement.
 </li>
 <li>
 </li>
 <li>
 
 Customer Experience &amp; Innovation
 
 </li>
 <li>
 Deliver seamless, intuitive, and differentiated payment journeys for retail and SME customers.
 </li>
 <li>
 Drive innovation by integrating with fintechs, global remittance players, and payment schemes.
 </li>
 <li>
 Champion digital-first design, customer insights, and data-driven decision-making.
 </li>
 <li>
 </li>
 <li>
 
 Risk, Compliance &amp; Governance
 
 </li>
 <li>
 Ensure adherence to local regulatory guidelines (SBP, FATF, AML/CFT, data privacy).
 </li>
 <li>
 Implement robust controls around transaction monitoring, fraud prevention, and operational resilience.
 </li>
 <li>
 Work closely with compliance, legal, and risk teams to mitigate risks in cross-border payments.
 </li>
 <li>
 </li>
 <li>
 
 Commercial Performance &amp; Partnerships
 
 </li>
 <li>
 Monitor and drive KPIs such as transaction growth, revenue, customer adoption, and cost efficiency.
 </li>
 <li>
 Build and manage partnerships with payment networks, remittance partners, and technology vendors.
 </li>
 <li>
 Support pricing, go-to-market strategy, and promotional campaigns for payment products.
 </li>
 <li>
 </li>
 <li>
 
 Stakeholder Engagement
 
 </li>
 <li>
 Collaborate with group/regional teams to align on strategy, platforms, and cross-border initiatives.
 </li>
 <li>
 Influence and manage senior stakeholders to support product priorities.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 Qualifications
 
 
 
 
 
 
 
 
 <ul>
 <li>
 8&ndash;12 years of relevant experience in payments, remittances, or digital banking.
 </li>
 <li>
 Prior experience as a Product Owner / Product Manager in a bank, fintech, or payment service provider.
 </li>
 <li>
 Track record of launching and scaling successful payment products in complex environments.
 </li>
 <li>
 Exposure to cross-border remittances, card issuing, or real-time payments is essential.
 </li>
 <li>
 Experience working with international payment partners and schemes preferred.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Required Skills
 
 
 
 
 
 
 
 
 <ul>
 <li>
 Deep understanding of payments ecosystem (domestic and cross-border).
 </li>
 <li>
 Knowledge of international remittances (corridors, settlement, compliance requirements).
 </li>
 <li>
 Familiarity with global and local payment schemes, real-time payments, card issuance, and acquiring.
 </li>
 <li>
 Strong grasp of digital banking, fintech integrations, APIs, and customer authentication methods.
 </li>
 <li>
 Regulatory frameworks in Pakistan (SBP regulations, AML/CFT, data privacy).
 </li>
 <li>
 Product ownership and backlog management in Agile/Scaled Agile environments.
 </li>
 <li>
 Strong analytical, problem-solving, and commercial acumen.
 </li>
 <li>
 Excellent stakeholder management, negotiation, and communication skills.
 </li>
 <li>
 Customer-centric mindset with ability to translate insights into product features.
 </li>
 <li>
 Ability to balance innovation with risk and compliance considerations.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Preferred Skills
 
 
 
 
 
 
 
 
 <ul>
 <li>
 Experience working with international payment partners and schemes preferred.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Pay range and compensation package
 
 
 
 
 
 
 
 
 
 Compensation details are not specified in the provided job description.
 
 
 
 
 
 
 
 
 
 Equal Opportunity Statement
 
 
 
 
 
 
 
 
 
 Mashreq Digital Bank is committed to diversity and inclusivity in the workplace.
 
 
 
 
 
 ```
 
</div>

Senior Product Owner-Payments

<div>
 
 Job Purpose
 
 
 
 
 
 Reporting to Senior Manager &ndash; Product Marketing, the appointee will support the overall marketing &amp; budget for Personal Loans, Mortgages, Digital Strategic Partnerships, FX &amp; Mashreq Millionaire; develop &amp; deliver business marketing campaigns, and leverage all marketing aspects such as Digital, Offline, PR &amp; Research to achieve significant results.
 
 
 
 
 
 Key result Areas
 
 
 
 
 
 
 
 
 1. Product Marketing
 
 
 &bull; Together with Senior Manager - Product Marketing, work with products team to build marketing strategy for the year, by quarter, in line with business objectives and within budget
 
 
 &bull; Build comprehensive 360-degree plans for all campaigns across offline &amp; digital
 
 
 &bull; Develop &amp; execute NTB &amp; ETB campaigns end-to-end from creative development to media planning, roll-out, tracking and optimizing
 
 
 &bull; Track the results of all campaigns and perform analysis / learnings for improvements
 
 
 &bull; Track competitor activities and develop suitable marketing responses
 
 
 &bull; Manage assigned budgets, vendor accruals &amp; payments in line with Finance policies
 
 
 &bull; Economic Departments: ensure the required permits for marketing promotions are in place
 
 
 Review, revamp and optimize product journey content and customer communication templates to ensure it meets the brand guidelines
 
 
 
 
 
 2. Digital Marketing
 
 
 &bull; Together with Senior Manager - Product Marketing develops digital marketing strategy by identifying customers and their current and future needs (insights driven), tracking changes in supply and demand, and monitoring the competition.
 
 
 &bull; Plans and executes media plans - social media, web, SEO/SEM and display advertising, database marketing
 
 
 &bull; Measures and reports performance of all digital marketing campaigns across platforms and deliver identified month-on-month KPIs
 
 
 &bull; Identifies trends and insights, and optimizes media plan, spend, creatives and performance based on the insights
 
 
 &bull; Identifies critical conversion points &amp; drop off points, and work with Product team, Technology &amp; Digital Studio to optimizes user funnels.
 
 
 
 
 
 Knowledge, Skills and Experience
 
 
 
 
 
 &bull; Mandatory experience in Digital Marketing
 
 
 &bull; Strong expertise in banking products marketing with proven track record
 
 
 &bull; Deep understanding of business dynamics, profitability and growth drivers
 
 
 &bull; Entrepreneurial with strong drive to succeed, with commitment &amp; result orientation
 
 
 &bull; Creative thinker, strong ideation, good people communicator &amp; relentless executor with attention to detail
 
 
 &bull; Ability to engage with senior stakeholders
 
 
 &bull; Proven ability to leverage external agencies &amp; alliance partners to deliver outstanding campaigns
 
 
 &bull; Proven track record in conceptualizing, developing and executing digital marketing campaigns
 
 
 &bull; Ability to conceptualize, review and revise marketing content. Copywriting skills would be a plus.
 
</div>

Product Marketing Manager, Loans & Digital Strategy (Mashreq Global Network Pakistan)

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1106 payments product manager jobs IN Karachi

Product Manager - Fintech

Product Manager - Fintech

Senior Manager Payments & Integration Services (Mashreq Digital Bank Pakistan)

Products Owner - Cards

Products Owner - Cards

Senior Product Owner-Payments

Product Marketing Manager, Loans & Digital Strategy (Mashreq Global Network Pakistan)