brand manager

ecommerce product lead

lead conversion executive Jobs in Karachi

lead conversion executive

product manager

products lead - lending

product lead

NextGenI

<div><div><div><div><div><div><div><ul><div>Karachi</div>
<div>Full-Time</div><div> 
</div></ul></div></div></div></div></div></div><div><div><div>Job Details:
<div><ul><li>Role: eCommerce Product Lead</li></ul>
<ul><li>Location: Hybrid
</li></ul><ul><li>Type: Full-Time</li></ul>
<ul><li>Experience Range: 5-8 Years</li></ul>
</div>
About NextGENi: 
 
NextGENi (Next Generation Innovations) is transforming how regional startups build their technology teams. We help ambitious founders build and manage their offshore technology teams at twice the speed and fraction of the cost. We have built tech teams for some of the leading startups in the region including Careem, Dubizzle, and Kavak. Our mission is to create exceptional tech teams while maintaining an unparalleled culture and the highest regard for professional principles.
About the Role: 
 
We are seeking a results-oriented eCommerce Product Lead to own the end-to-end strategy, development, and execution of our core platforms, digital products, and strategic initiatives. This role demands a high-impact leader with a strong bias for action, capable of translating complex business challenges and e-commerce business solutions into clear, data-driven product solutions. The ideal candidate will possess deep expertise in product discovery, market analysis, and a proven track record of managing complex cross-functional teams and international clients, demonstrating the cultural understanding needed to navigate and sustain relationships to deliver quantifiable business outcomes.
Key Responsibilities:
<div><ul><li>Define, prioritize, and execute product roadmaps for core products and digital platforms, aligning with company goals.</li></ul>
<ul><li>Identify operational bottlenecks and implement automated workflows to boost efficiency and scalability.</li></ul>
<ul><li>Lead Agile/Scrum sprints, preparing clear PRDs and user stories for engineering, design, and stakeholders.</li></ul>
<ul><li>Define KPIs, run A/B tests and market research, and optimize funnels for measurable growth.</li></ul>
<ul><li>Understand customer pain points via research (NPS, CSAT, interviews) and design solutions to enhance satisfaction and loyalty.</li></ul>
<ul><li>Develop and execute GTM plans for new features, ensuring market adoption and readiness.</li></ul>
<ul><li>Manage client relationships and translate commercial needs into actionable product requirements.</li></ul>
</div>
Key Requirements:
<div><ul><li>5+ years of Product Management experience in high-growth B2B or B2C software environments.</li></ul>
<ul><li>Strong ability to define product requirements across modern tech stacks (Flutter, Node.js, React, Shopify) and familiarity with DevOps principles in delivery.</li></ul>
<ul><li>Proven experience leading cross-functional teams of engineers and UX/UI designers.</li></ul>
<ul><li>Skilled at turning complex business challenges into clear, testable product solutions.</li></ul>
<ul><li>Proficient in funnel instrumentation, data visualization tools (Google Analytics, Looker/Tableau), and SQL for analysis and data queries.</li></ul>
<ul><li>Experienced in leveraging AI tools (Gemini, ChatGPT), Agile tools (Jira, Confluence, Notion), design tools (Figma, Miro, Visily.ai, Lovable), and analytics tools (Klaviyo, Adjust, Microsoft Clarity, Firebase, Crazy Egg).</li></ul>
</div>
Nice to Have:
<div><ul><li>Experience defining and managing the API strategy for a core platform.</li></ul>
<ul><li>Proven experience mentoring junior or associate Product Managers.</li></ul>
<ul><li>Ability to define Database structures and Schemas.</li></ul>
</div>
<div><div>Instructions to Apply
To Apply, send your resumes to talent@nextgeni.com with subject mentioning &ldquo;NGI-eCom-001&rsquo;&rsquo; 
Download a blank applicant form
<div><div>Download Form</div></div>
<div>Disclaimer 
Kindly refrain from renaming this file or altering the form&rsquo;s format, as it may result in rejection by the ATS. member at NextGENi, and you have cleared the assignment.</div>
</div></div>
</div></div></div><div><div><div><div>Benefits
If you give your employees the best, they will give you their best! 
We offer the best compensation package to our employees in the industry within Pakistan, second only to none. Take a look at our comprehensive list of benefits that comes with working for us, regardless of your title and position.</div></div></div></div></div>

eCommerce Product Lead

NextGENi - A DotZero Company

<div>
 
 Job Details
 
 
 
 <ul>
 <li>
 Role: eCommerce Product Lead
 </li>
 <li>
 Location: Hybrid
 </li>
 <li>
 Type: Full-Time
 </li>
 <li>
 Experience Range: 5-8 Years
 
 
 </li>
 </ul>
 
 About NextGENi
 
 
 
 NextGENi (Next Generation Innovations) is transforming how regional startups build their technology teams. We help ambitious founders build and manage their offshore technology teams at twice the speed and fraction of the cost. We have built tech teams for some of the leading startups in the region including Careem, Dubizzle, and Kavak. Our mission is to create exceptional tech teams while maintaining an unparalleled culture and the highest regard for professional principles.
 
 
 
 About The Role
 
 
 
 We are seeking a results-oriented eCommerce Product Lead to own the end-to-end strategy, development, and execution of our core platforms, digital products, and strategic initiatives. This role demands a high-impact leader with a strong bias for action, capable of translating complex business challenges and e-commerce business solutions into clear, data-driven product solutions. The ideal candidate will possess deep expertise in product discovery, market analysis, and a proven track record of managing complex cross-functional teams and international clients, demonstrating the cultural understanding needed to navigate and sustain relationships to deliver quantifiable business outcomes.
 
 
 
 Key Responsibilities
 
 
 
 <ul>
 <li>
 Define, prioritize, and execute product roadmaps for core products and digital platforms, aligning with company goals.
 </li>
 <li>
 Identify operational bottlenecks and implement automated workflows to boost efficiency and scalability.
 </li>
 <li>
 Lead Agile/Scrum sprints, preparing clear PRDs and user stories for engineering, design, and stakeholders.
 </li>
 <li>
 Define KPIs, run A/B tests and market research, and optimize funnels for measurable growth.
 </li>
 <li>
 Understand customer pain points via research (NPS, CSAT, interviews) and design solutions to enhance satisfaction and loyalty.
 </li>
 <li>
 Develop and execute GTM plans for new features, ensuring market adoption and readiness.
 </li>
 <li>
 Manage client relationships and translate commercial needs into actionable product requirements.
 
 
 </li>
 </ul>
 
 Key Requirements
 
 
 
 <ul>
 <li>
 5+ years of Product Management experience in high-growth B2B or B2C software environments.
 </li>
 <li>
 Strong ability to define product requirements across modern tech stacks (Flutter, Node.js, React, Shopify) and familiarity with DevOps principles in delivery.
 </li>
 <li>
 Proven experience leading cross-functional teams of engineers and UX/UI designers.
 </li>
 <li>
 Skilled at turning complex business challenges into clear, testable product solutions.
 </li>
 <li>
 Proficient in funnel instrumentation, data visualization tools (Google Analytics, Looker/Tableau), and SQL for analysis and data queries.
 </li>
 <li>
 Experienced in leveraging AI tools (Gemini, ChatGPT), Agile tools (Jira, Confluence, Notion), design tools (Figma, Miro, Visily.ai, Lovable), and analytics tools (Klaviyo, Adjust, Microsoft Clarity, Firebase, Crazy Egg).
 
 
 </li>
 </ul>
 
 Nice To Have
 
 
 
 <ul>
 <li>
 Experience defining and managing the API strategy for a core platform.
 </li>
 <li>
 Proven experience mentoring junior or associate Product Managers.
 </li>
 <li>
 Ability to define Database structures and Schemas.
 
 
 </li>
 </ul>
 
 Instructions to Apply
 
 
 
 To Apply, send your resumes to talent@nextgeni.com with subject mentioning &ldquo;NGI-eCom-001&rsquo;&rsquo;
 
 
 
 Download a blank applicant form
 
 
 
 Download Form
 
 
 
 Disclaimer
 
 
 
 Kindly refrain from renaming this file or altering the form&rsquo;s format, as it may result in rejection by the ATS. member at NextGENi, and you have cleared the assignment.
</div>

HugoBank

<div>The Product Lead Liabilities will play a pivotal role in shaping HugoBank&rsquo;s next-generation liability propositions, going beyond traditional deposit products to build digitally-led, value-creating financial experiences. The role will focus on designing innovative product offerings, bundled experiences, and ecosystem-led propositions that deepen engagement, improve financial wellbeing and add to long-term customer lifetime value.The incumbent will lead end-to-end development of scalable, compliant, and customer-centric propositions that strengthen HugoBank&rsquo;s market positioning and contribute to sustainable business growth.
Essential Duties and Responsibilities
Product Proposition &amp; Strategy<ul>
<li>
Own and evolve a dynamic product roadmap that balances innovation, customer value and business goals with regulatory requirements.</li>
<li>Develop a forward-looking product strategy covering deposits, savings, transactional accounts, and value-added propositions across retail and SME segments.</li>
<li>Design innovative, digitally-led savings and cash-management experiences that drive engagement, stickiness, and long-term customer value.</li>
<li>Align liability strategy with the Bank&rsquo;s financial inclusion, growth, and balance-sheet objectives.</li>
</ul>
Product Development &amp; Lifecycle Management<ul>
<li>
Lead end-to-end product development from ideation, business case creation, regulatory alignment, journey design, testing, launch, and continuous enhancement.</li>
<li>Translate ideas into structured PIDs/PRDs ensuring clear documentation for Technology and Dev teams.</li>
<li>Conduct ongoing competitive benchmarking and market analysis to identify opportunities, gaps, and innovation potential in the liability space.</li>
<li>Work with research and analytics teams to derive insights from customer behaviour, translating findings into product enhancements.</li>
</ul>
Process Optimization<ul>
<li>
Re-engineer end-to-end liability product processes to create frictionless, intuitive customer experiences across onboarding, account opening, deposits, savings, pots/pockets, and ongoing account management.</li>
<li>Drive digital-first process innovation, leveraging automation, AI-driven workflows, and intelligent orchestration to reduce turnaround times, minimize manual interventions, and improve operational resilience.</li>
<li>Design and embed progressive customer journeys enhance engagement and retention.</li>
<li>Continuously assess performance, identify bottlenecks, and introduce scalable enhancements that balance speed, compliance, risk controls, and superior UX.</li>
</ul>
Technical &amp; Analytical Collaboration<ul>
<li>
Work closely with Technology, Data, Risk, and Operations teams to translate product strategy into robust requirements ensuring scalable, modular, and future-ready liability platforms.</li>
<li>Collaborate with the Data Team ( I.e. Analytics to build data-driven insights on customer behavior, deposit trends, liquidity patterns, and savings engagement to inform product evolution and personalization.</li>
<li>Define and oversee product parameterization within Core Banking and supporting platforms to ensure seamless execution, reliability, and control across journeys.</li>
</ul>
Risk, Compliance &amp; Operations<ul>
<li>
Ensure liability propositions, pricing frameworks, customer journeys, and operational processes comply with SBP regulations, AML/CFT requirements, and consumer protection standards.</li>
<li>Collaborate with Risk, Compliance, Operations functions to embed preventive controls, transaction monitoring safeguards, and customer trust features within liability products.</li>
<li>Proactively identify emerging regulatory shifts and operational risks, aligning product design with governance and operational excellence.</li>
<li>Balance innovation with prudence by designing liability solutions that are secure, compliant and future-ready.</li>
</ul>
Cross-Functional Leadership<ul>
<li>
Lead and influence cross-functional squads including Tech, Risk, Compliance, Finance, Operations, Data to design, launch, and scale liability propositions and features.</li>
<li>Drive alignment between product strategy, profitability objectives, and customer experience to ensure liability products are regulatory compliant, innovative, and commercially viable.</li>
<li>Act as the central point of accountability for product delivery, ensuring clear ownership, timely execution, and effective communication across internal and external stakeholders.</li>
<li>Partner closely with senior leadership and governance forums to secure approvals, manage dependencies, and ensure strategic consistency across the bank&rsquo;s liability portfolio.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Ideate and develop new liability propositions beyond traditional CA/SA, including savings innovations, goal-based products, liquidity optimization tools, embedded banking use-cases, and ecosystem partnerships.</li>
<li>Contribute to new business models and revenue streams, including fee-based offerings, subscription banking, bundled propositions, and cross-sell enablement with Lending, Payments, and Wealth products.</li>
<li>Assist in developing customer education and financial literacy initiatives, ensuring liability propositions support inclusion, trust-building, and responsible banking behavior.</li>
<li>Provide inputs for strategic presentations, Board/ExCo updates, and regulatory submissions, ensuring clarity, compliance, and product vision alignment.</li>
<li>Support marketing, growth, and lifecycle teams in designing campaigns, acquisition strategies, retention initiatives, and customer engagement journeys linked to liability products.</li>
<li>Participate in vendor engagements, evaluations, and partnership discussions, particularly where third-party platforms, fintech enablement, or technology capabilities support liability innovation.</li>
<li>Contribute to establishing a continuous improvement culture, identifying opportunities to enhance processes, digital journeys, UI/UX, and operational scalability.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business, Finance, Economics, Engineering, Computer Science, or related discipline.</li>
<li>Strong academic grounding in product management, financial services, or digital transformation is an advantage.</li>
<li>6&ndash;8 years of experience in Branch Banking, Digital Banking or Fintech, with significant exposure to liability products or deposit-led propositions.</li>
<li>Proven experience in conceptualizing, launching, and scaling digital financial products (liabilities, savings, transactional banking, ecosystem financial services, or innovative value-store propositions).</li>
<li>Experience in working with technology, data, compliance, and operations teams to build scalable digital banking products.</li>
<li>Demonstrated ability to work within regulated financial environments, preferably with exposure to SBP regulatory frameworks.</li>
<li>Experience with customer insights, portfolio management, and performance optimization of deposit or customer engagement products.</li></ul></div>

Products Lead - Liability

<div>
 The Product Lead Liabilities will play a pivotal role in shaping HugoBank's next-generation liability propositions, going beyond traditional deposit products to build digitally-led, value-creating financial experiences. The role will focus on designing innovative product offerings, bundled experiences, and ecosystem-led propositions that deepen engagement, improve financial wellbeing and add to long-term customer lifetime value.The incumbent will lead end-to-end development of scalable, compliant, and customer-centric propositions that strengthen HugoBank's market positioning and contribute to sustainable business growth.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Proposition &amp; Strategy
 
 
 
 <ul>
 <li>
 Own and evolve a dynamic product roadmap that balances innovation, customer value and business goals with regulatory requirements
 </li>
 <li>
 Develop a forward-looking product strategy covering deposits, savings, transactional accounts, and value-added propositions across retail and SME segments
 </li>
 <li>
 Design innovative, digitally-led savings and cash-management experiences that drive engagement, stickiness, and long-term customer value
 </li>
 <li>
 Align liability strategy with the Bank's financial inclusion, growth, and balance-sheet objectives
 
 
 </li>
 </ul>
 
 Product Development &amp; Lifecycle Management
 
 
 
 <ul>
 <li>
 Lead end-to-end product development from ideation, business case creation, regulatory alignment, journey design, testing, launch, and continuous enhancement
 </li>
 <li>
 Translate ideas into structured PIDs/PRDs ensuring clear documentation for Technology and Dev teams
 </li>
 <li>
 Conduct ongoing competitive benchmarking and market analysis to identify opportunities, gaps, and innovation potential in the liability space
 </li>
 <li>
 Work with research and analytics teams to derive insights from customer behaviour, translating findings into product enhancements
 
 
 </li>
 </ul>
 
 Process Optimization
 
 
 
 <ul>
 <li>
 Re-engineer end-to-end liability product processes to create frictionless, intuitive customer experiences across onboarding, account opening, deposits, savings, pots/pockets, and ongoing account management
 </li>
 <li>
 Drive digital-first process innovation, leveraging automation, AI-driven workflows, and intelligent orchestration to reduce turnaround times, minimize manual interventions, and improve operational resilience
 </li>
 <li>
 Design and embed progressive customer journeys enhance engagement and retention
 </li>
 <li>
 Continuously assess performance, identify bottlenecks, and introduce scalable enhancements that balance speed, compliance, risk controls, and superior UX
 
 
 </li>
 </ul>
 
 Technical &amp; Analytical Collaboration
 
 
 
 <ul>
 <li>
 Work closely with Technology, Data, Risk, and Operations teams to translate product strategy into robust requirements ensuring scalable, modular, and future-ready liability platforms
 </li>
 <li>
 Collaborate with the Data Team ( I.e. Analytics to build data-driven insights on customer behavior, deposit trends, liquidity patterns, and savings engagement to inform product evolution and personalization
 </li>
 <li>
 Define and oversee product parameterization within Core Banking and supporting platforms to ensure seamless execution, reliability, and control across journeys
 
 
 </li>
 </ul>
 
 Risk, Compliance &amp; Operations
 
 
 
 <ul>
 <li>
 Ensure liability propositions, pricing frameworks, customer journeys, and operational processes comply with SBP regulations, AML/CFT requirements, and consumer protection standards
 </li>
 <li>
 Collaborate with Risk, Compliance, Operations functions to embed preventive controls, transaction monitoring safeguards, and customer trust features within liability products
 </li>
 <li>
 Proactively identify emerging regulatory shifts and operational risks, aligning product design with governance and operational excellence
 </li>
 <li>
 Balance innovation with prudence by designing liability solutions that are secure, compliant and future-ready
 
 
 </li>
 </ul>
 
 Cross-Functional Leadership
 
 
 
 <ul>
 <li>
 Lead and influence cross-functional squads including Tech, Risk, Compliance, Finance, Operations, Data to design, launch, and scale liability propositions and features
 </li>
 <li>
 Drive alignment between product strategy, profitability objectives, and customer experience to ensure liability products are regulatory compliant, innovative, and commercially viable
 </li>
 <li>
 Act as the central point of accountability for product delivery, ensuring clear ownership, timely execution, and effective communication across internal and external stakeholders
 </li>
 <li>
 Partner closely with senior leadership and governance forums to secure approvals, manage dependencies, and ensure strategic consistency across the bank's liability portfolio
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Ideate and develop new liability propositions beyond traditional CA/SA, including savings innovations, goal-based products, liquidity optimization tools, embedded banking use-cases, and ecosystem partnerships
 </li>
 <li>
 Contribute to new business models and revenue streams, including fee-based offerings, subscription banking, bundled propositions, and cross-sell enablement with Lending, Payments, and Wealth products
 </li>
 <li>
 Assist in developing customer education and financial literacy initiatives, ensuring liability propositions support inclusion, trust-building, and responsible banking behavior
 </li>
 <li>
 Provide inputs for strategic presentations, Board/ExCo updates, and regulatory submissions, ensuring clarity, compliance, and product vision alignment
 </li>
 <li>
 Support marketing, growth, and lifecycle teams in designing campaigns, acquisition strategies, retention initiatives, and customer engagement journeys linked to liability products
 </li>
 <li>
 Participate in vendor engagements, evaluations, and partnership discussions, particularly where third-party platforms, fintech enablement, or technology capabilities support liability innovation
 </li>
 <li>
 Contribute to establishing a continuous improvement culture, identifying opportunities to enhance processes, digital journeys, UI/UX, and operational scalability
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business, Finance, Economics, Engineering, Computer Science, or related discipline
 </li>
 <li>
 Strong academic grounding in product management, financial services, or digital transformation is an advantage
 </li>
 <li>
 6-8 years of experience in Branch Banking, Digital Banking or Fintech, with significant exposure to liability products or deposit-led propositions
 </li>
 <li>
 Proven experience in conceptualizing, launching, and scaling digital financial products (liabilities, savings, transactional banking, ecosystem financial services, or innovative value-store propositions)
 </li>
 <li>
 Experience in working with technology, data, compliance, and operations teams to build scalable digital banking products
 </li>
 <li>
 Demonstrated ability to work within regulated financial environments, preferably with exposure to SBP regulatory frameworks
 </li>
 <li>
 Experience with customer insights, portfolio management, and performance optimization of deposit or customer engagement products
 </li>
 </ul>
</div>

<div>
 As the Product Lead for Lending (Consumer &amp; SME), the incumbent will lead the end-to-end strategy, design, and delivery of lending products across both individual (consumer) and business (SME) segments. The role requires a blend of strategic thinking, customer insight, technical expertise, and a deep understanding of Pakistan's lending landscape covering unsecured, secured, and digital credit propositions. The Product Lead will ensure that all lending products are designed with scalability, compliance, and customer experience in mind, supporting HugoBank's goal of becoming a lending-first digital bank.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Proposition &amp; Strategy
 
 
 
 <ul>
 <li>
 Define and own clear, differentiated lending propositions across Consumer and SME segments, including personal loans, credit cards, working capital finance, term loans, earned wage access (EWA), inventory finance, and invoice financing
 </li>
 <li>
 Identify and prioritize customer pain points and unmet credit needs to design scalable, compliant lending solutions aligned with HugoBank's strategic and risk objectives
 </li>
 <li>
 Ensure lending propositions drive customer lifecycle value, responsible credit usage, and financial inclusion, while supporting sustainable portfolio growth
 
 
 </li>
 </ul>
 
 Product Development &amp; Lifecycle Management
 
 
 
 <ul>
 <li>
 Own and manage the end-to-end lending product lifecycle, from concept and business case development through design, testing, launch, and continuous optimization
 </li>
 <li>
 Partner with Technology, Risk, Credit, Finance, and Operations teams to define and implement credit policies, business rules, customer journeys, and system configurations
 </li>
 <li>
 Lead integration and automation initiatives across the Credit Decision Engine (CDE) and Lending Management System (LMS) to enable scalable, fast, and reliable credit decisioning
 
 
 </li>
 </ul>
 
 Process Optimization
 
 
 
 <ul>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 </li>
 <li>
 Introduce digital credit journeys, leveraging automation and analytics to support instant or near-instant lending decisions
 </li>
 <li>
 Continuously identify bottlenecks and control gaps, implementing scalable process improvements that balance speed, risk, and regulatory compliance
 
 
 </li>
 </ul>
 
 Technical &amp; Analytical Collaboration
 
 
 
 <ul>
 <li>
 Work closely with Technology and Data teams to design credit workflows, decision models, APIs, and data points required for lending propositions
 </li>
 <li>
 Use analytics and portfolio insights to inform product enhancements and risk optimization
 
 
 </li>
 </ul>
 
 Risk, Compliance &amp; Operations
 
 
 
 <ul>
 <li>
 Ensure lending frameworks and operational processes comply with SBP and AML/CFT requirements while enabling scalable growth
 </li>
 <li>
 Work cross-functionally with Risk, Compliance, and Operations to monitor fraud and credit misuse risks in line with consumer lending policies and controls
 
 
 </li>
 </ul>
 
 Cross-Functional Leadership
 
 
 
 <ul>
 <li>
 Collaborate with Liabilities, Marketing, Technology, Risk, Data, and Analytics teams to deliver integrated lending and financing offerings across multiple customer segments, including Merchants
 </li>
 <li>
 Partner with Product teams to design and launch targeted financing solutions for Merchants and other priority segments, such as working capital, invoice factoring, and BNPL
 </li>
 <li>
 Leverage transactional and behavioral data in partnership with Analytics to generate insights and enable effective cross-sell and upsell of lending products across segments
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Gather market insights to identify product pain points, unmet needs, and value-added service opportunities (e.g., loyalty programs, BNPL, automated invoicing) across Merchants and other priority customer segments
 </li>
 <li>
 Conduct field visits, customer interviews, and workshops with key segments and clusters (including pharmacies, FMCG distributors, and retail hubs) to capture on-ground insights and behavioral drivers for borrowing
 </li>
 <li>
 Ensure customer insights are systematically embedded into product prioritization and roadmap decisions
 </li>
 <li>
 Continuously track global and regional lending trends, with a strong focus on digital-first propositions, to inform product evolution and competitive positioning
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Economics, Finance, or related field
 </li>
 <li>
 5-7 years of experience in financial services, with hands-on ownership of Consumer and/or SME lending products
 </li>
 <li>
 Proven track record in designing, launching, and scaling lending propositions, including digital credit journeys, underwriting models, and lifecycle management
 </li>
 <li>
 Strong understanding of SBP lending regulations, AML/CFT, consumer protection guidelines, and their impact on product design and execution
 </li>
 </ul>
</div>

Products Lead - Lending

<div>As the Product Lead for Lending (Consumer &amp; SME), the incumbent will lead the end-to-end strategy, design, and delivery of lending products across both individual (consumer) and business (SME) segments. The role requires a blend of strategic thinking, customer insight, technical expertise, and a deep understanding of Pakistan&rsquo;s lending landscape covering unsecured, secured, and digital credit propositions. The Product Lead will ensure that all lending products are designed with scalability, compliance, and customer experience in mind, supporting HugoBank&rsquo;s goal of becoming a lending-first digital bank.
Essential Duties and Responsibilities
Product Proposition &amp; Strategy<ul>
<li>
Define and own clear, differentiated lending propositions across Consumer and SME segments, including personal loans, credit cards, working capital finance, term loans, earned wage access (EWA), inventory finance, and invoice financing.</li>
<li>Identify and prioritize customer pain points and unmet credit needs to design scalable, compliant lending solutions aligned with HugoBank&rsquo;s strategic and risk objectives.</li>
<li>Ensure lending propositions drive customer lifecycle value, responsible credit usage, and financial inclusion, while supporting sustainable portfolio growth.</li>
</ul>
Product Development &amp; Lifecycle Management<ul>
<li>
Own and manage the end-to-end lending product lifecycle, from concept and business case development through design, testing, launch, and continuous optimization.</li>
<li>Partner with Technology, Risk, Credit, Finance, and Operations teams to define and implement credit policies, business rules, customer journeys, and system configurations.</li>
<li>Lead integration and automation initiatives across the Credit Decision Engine (CDE) and Lending Management System (LMS) to enable scalable, fast, and reliable credit decisioning.</li>
</ul>
Process Optimization<ul>
<li>
Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.</li>
<li>Introduce digital credit journeys, leveraging automation and analytics to support instant or near-instant lending decisions.</li>
<li>Continuously identify bottlenecks and control gaps, implementing scalable process improvements that balance speed, risk, and regulatory compliance.</li>
</ul>
Technical &amp; Analytical Collaboration<ul>
<li>
Work closely with Technology and Data teams to design credit workflows, decision models, APIs, and data points required for lending propositions.</li>
<li>Use analytics and portfolio insights to inform product enhancements and risk optimization.</li>
</ul>
Risk, Compliance &amp; Operations<ul>
<li>
Ensure lending frameworks and operational processes comply with SBP and AML/CFT requirements while enabling scalable growth.</li>
<li>Work cross-functionally with Risk, Compliance, and Operations to monitor fraud and credit misuse risks in line with consumer lending policies and controls.</li>
</ul>
Cross-Functional Leadership<ul>
<li>
Collaborate with Liabilities, Marketing, Technology, Risk, Data, and Analytics teams to deliver integrated lending and financing offerings across multiple customer segments, including Merchants.</li>
<li>Partner with Product teams to design and launch targeted financing solutions for Merchants and other priority segments, such as working capital, invoice factoring, and BNPL.</li>
<li>Leverage transactional and behavioral data in partnership with Analytics to generate insights and enable effective cross-sell and upsell of lending products across segments.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Gather market insights to identify product pain points, unmet needs, and value-added service opportunities (e.g., loyalty programs, BNPL, automated invoicing) across Merchants and other priority customer segments.</li>
<li>Conduct field visits, customer interviews, and workshops with key segments and clusters (including pharmacies, FMCG distributors, and retail hubs) to capture on-ground insights and behavioral drivers for borrowing.</li>
<li>Ensure customer insights are systematically embedded into product prioritization and roadmap decisions.</li>
<li>Continuously track global and regional lending trends, with a strong focus on digital-first propositions, to inform product evolution and competitive positioning.</li>
</ul>
Requirements<ul><li>
Bachelor&rsquo;s degree in Business Administration, Economics, Finance, or related field.</li></ul><ul>
<li>5-7 years of experience in financial services, with hands-on ownership of Consumer and/or SME lending products.</li>
<li>Proven track record in designing, launching, and scaling lending propositions, including digital credit journeys, underwriting models, and lifecycle management.</li>
<li>Strong understanding of SBP lending regulations, AML/CFT, consumer protection guidelines, and their impact on product design and execution.</li></ul></div>

<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

Explore 949+ Product lead in Karachi this December. Find roles across top companies and apply now to boost your career.

949 product lead jobs IN Karachi

eCommerce Product Lead

eCommerce Product Lead

Products Lead - Liability

Products Lead - Liability

Products Lead - Lending

Products Lead - Lending

Products Owner - Cards