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Mashreq

<div>
 
 
 Job Purpose
 
 
 
 
 
 
 The Country Product Owner &ndash;Payments will lead the design, development, and management of innovative payment solutions for consumers and small &amp; medium enterprises (SMEs) in Pakistan. This role will focus on enabling seamless domestic and cross-border payment experiences through digital channels, APIs, and integrations with third party systems. The Product Owner will act as the local business lead &mdash; defining the vision, managing the product backlog, and working closely with Group Product, Technology, Compliance, and external partners to deliver differentiated, compliant, and scalable payment propositions.
 
 
 
 
 
 
 Key result Areas
 
 
 
 
 
 
 
 Product Strategy &amp; Vision
 
 
 <ul>
 <li>
 Define and own the Consumer/ SME Payments product roadmap for Pakistan, aligned with Mashreq&rsquo;s digital and regional payments strategy
 </li>
 <li>
 Identify market opportunities and emerging payment needs across domestic transfers, bill payments, bulk payments, payroll, and cross-border transactions.
 </li>
 <li>
 Ensure alignment with regulatory guidelines and evolving SBP frameworks on digital payments and SME enablement.
 </li>
 </ul>
 
 
 Product Development &amp; Delivery
 
 
 <ul>
 <li>
 Translate customer and business needs into user stories, requirements, and clear acceptance criteria.
 </li>
 <li>
 Prioritize and manage the local product backlog in collaboration with the Group Product Owner and agile squads.
 </li>
 <li>
 Drive delivery of new payment capabilities, APIs, and platform enhancements through continuous collaboration with Tech, Operations, and Risk teams.
 </li>
 </ul>
 
 
 Customer Experience &amp; Commercialization
 
 
 <ul>
 <li>
 Champion customer needs to ensure intuitive, frictionless payment journeys across channels.
 </li>
 <li>
 Partner with the Business Banking team to drive adoption, usage, and revenue growth.
 </li>
 <li>
 Support pricing, go-to-market plans, and promotional activities to position Mashreq as a preferred SME payments partner.
 </li>
 </ul>
 
 
 Risk, Compliance &amp; Governance
 
 
 <ul>
 <li>
 Ensure adherence to SBP regulations, AML/CFT standards, and data protection controls for all payment solutions.
 </li>
 <li>
 Maintain a risk register and ensure appropriate controls and monitoring mechanisms are in place.
 </li>
 <li>
 Liaise with internal audit, compliance, and control functions for continuous assurance.
 </li>
 </ul>
 
 
 Partnerships &amp; Ecosystem
 
 
 <ul>
 <li>
 Identify and manage relationships with fintechs, payment gateways, and solution providers to build integrations and value-added propositions.
 </li>
 <li>
 Explore opportunities to participate in national payment infrastructure initiatives (e.g., Raast, PayPak, etc.).
 </li>
 </ul>
 
 
 
 
 
 Knowledge, Skills and Experience
 
 
 
 
 
 
 
 Education &amp; Experience
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in business, Computer Science, or Finance; MBA preferred.
 </li>
 <li>
 7&ndash;10 years of relevant experience in digital payments, cash management, or product development, ideally with exposure to SME or commercial banking.
 </li>
 <li>
 Proven track record in digital product ownership, preferably within agile frameworks.
 </li>
 </ul>
 
 
 Technical &amp; Functional Skills
 
 
 <ul>
 <li>
 Strong understanding of local and cross-border payment systems, APIs, and digital transaction flows.
 </li>
 <li>
 Payment messages and Protocols understanding ISO
 </li>
 <li>
 Familiarity with SBP regulatory frameworks for payments, open banking, and digital banking.
 </li>
 <li>
 Experience in SME Banking and payment solutions
 </li>
 <li>
 Strong analytical, prioritization, and stakeholder management skills.
 </li>
 <li>
 Comfortable working in cross-functional, fast-paced agile environments.
 </li>
 </ul>
 
 
 Personal Attributes
 
 
 <ul>
 <li>
 Entrepreneurial mindset with strong commercial acumen.
 </li>
 <li>
 Excellent communication, influencing, and problem-solving skills.
 </li>
 <li>
 Customer-centric, data-driven, and results-oriented approach.
 </li>
 <li>
 Ability to work across group and local teams to drive execution and innovation.
 </li>
 </ul>
 
 
</div>

Country Product Owner - Payments (Mashreq Digital Bank Pakistan)

HugoBank

<div>The Product Owner - Merchants is responsible for building, managing, and scaling HugoBank&rsquo;s SME ecosystem, encompassing payments enablement, financial operations, and credit access for small and medium enterprises. This role will design and execute digital propositions that simplify how SMEs collect payments, manage liquidity, and access financing through products such as working capital loans, invoice factoring, inventory finance, and BNPL for businesses. The incumbent is required to deliver seamless SME experiences, drive ecosystem growth, and strengthen HugoBank&rsquo;s position as a digital-first SME bank. The role demands a unique blend of product strategy, commercial acumen, regulatory understanding, and on-ground SME experience to translate the needs of small businesses into scalable financial solutions. 
 
Responsibilities: 
Merchant &amp; Payments Product Development:<ul>
<li>
Lead the design and execution of the SME Product Roadmap, focusing on payment acceptance, cashflow management, and financing enablement for SMEs.</li>
<li>Develop targeted SME acquisition strategies for priority clusters such as distributors, pharmacies, wholesalers, and e-commerce sellers.</li>
<li>Roll out digital acceptance solutions (e.g., QR, POS, Tap-to-Phone, RAAST, and payment links) tailored to SME business models.</li>
<li>Build digital business account structures with transparent settlement cycles, automated reconciliations, and integrated invoicing tools.</li>
Develop value-added services (e.g., digital invoicing, spend insights, and business analytics dashboards) that enhance financial management for SMEs. 
<li>
</li>
</ul>Payments Strategy &amp; Product Development:<ul>
<li>
Develop and operationalize SME lending products, including:</li>
<li><ul><li>Working Capital Loans / Running Finance</li>
<li>Inventory or Distributor Finance Invoice Factoring &amp; Receivables Finance</li>
<li>BNPL for SMEs / Micro-Business Financing</li>
</ul></li></ul><ul><li>Use SME transaction data to build cashflow-based credit scoring models, enabling faster and fairer access to financing.</li>
<li>Embed credit journeys directly within the Merchant app (from application to approval, disbursement, and repayment).</li>
Conduct risk-return analysis, product pricing, and profitability modelling for SME credit lines. 
<li>
</li>
</ul>Partnerships &amp; Ecosystem Development:<ul>
<li>
Forge strategic alliances with anchor corporates, FMCGs, distributors, and aggregators (e.g., Getz Pharma, M&amp;P, retail supply chains) to onboard SME networks and enable embedded finance models.</li>
<li>Collaborate with payment service providers (PSPs), fintechs, and marketplaces to expand reach and co-create merchant solutions.</li>
<li>Engage with card schemes, RAAST, 1LINK, and SBP to ensure regulatory alignment and interoperability for SME payment flows.</li>
Represent the Bank in SME ecosystem forums to promote digital adoption and financial empowerment. 
<li>
</li>
</ul>Insights, Analytics &amp; Optimisation:<ul>
<li>
Leverage merchant transaction data to identify lending opportunities and design incentive programs.</li>
<li>Define and track KPIs such as activation, churn, credit utilisation, and transaction growth.</li>
<li>Conduct periodic market and competitor benchmarking to evolve HugoBank&rsquo;s merchant value proposition.</li>
<li>Present insights and performance dashboards to management for strategic decision-making.</li></ul> 

Risk, Compliance &amp; Operations:<ul>
<li>
Design and maintain robust KYB/KYC frameworks, ensuring that onboarding processes for merchants and SME borrowers adhere to AML/CFT and customer due-diligence standards.</li>
<li>Partner with Risk, Compliance, and Fraud Management teams to establish proactive controls, fraud monitoring dashboards, and alert mechanisms for abnormal transaction patterns or repayment irregularities.</li>
<li>Develop merchant lending products (inventory finance, invoice factoring, BNPL), ensuring data-driven assessment of repayment capacity based on transaction history and cash-flow analysis.</li>
Drive continuous monitoring of portfolio health, NPL ratios, and take corrective actions in coordination with Risk and Finance functions. 
<li>
</li>
</ul>Cross-Functional Leadership:<ul>
<li>
Collaborate with liabilities Product, Marketing, Tech, and Data to deliver integrated merchant offerings.</li>
<li>Partner with Product Owner Lending to create merchant financing products (working capital, invoice factoring, BNPL for SMEs).</li>
<li>Work with Analytics to derive insights from merchant transaction data to enhance engagement.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Economics, Finance, or related field.</li>
<li>Master&rsquo;s degree or professional certification in Payments/FinTech preferred.</li>
<li>Minimum 10 years of experience in Merchant Onboarding, payments and digital financial services.</li>
<li>Proven track record of developing and scaling merchant/payment propositions.</li>
<li>Strong understanding of SBP regulations and digital payment systems.</li>
<li>Familiarity with payment gateways, fintech APIs, and merchant onboarding technologies (KYB/KYC).</li>
<li>Commercial acumen with the ability to design pricing, revenue-sharing, and incentive models for merchants.</li>
<li>Experience in building merchant acquisition strategies and scaling payment ecosystems.</li>
<li>Data-driven mindset with the ability to use BI tools/analytics to track merchant performance and design interventions.</li>
<li>Commercially driven, Entrepreneurial mindset, Stakeholder management, Strong problem-solving.</li></ul></div>

Product Lead - Merchants (VP/SVP)

Amarant Pharma

A leading National Pharmaceuticals Company based at Karachi required PRODUCT MANAGER. 3-5 Years experienced may applyJob Type: Full-timePay: Rs100,000.00 - Rs150,000.00 per monthWork Location: In person

Product Manager

Horizon Tech

About UsHorizon Tech is looking for an experienced Product Manager for one of its clients based in Canada from a HealthCare industry. They are the business partner of choice for leading IVF clinicians with the goal of achieving global best clinical outcomes, an international reputation for excellence and exceptional patient experiences. They provide partner clinics with back-office support and a collaborative synergistic medical-scientific, professional and business environment.About the RoleWe are hiring a Product Manager to take full ownership of driving product success within our Technology function. Reporting to the Head of Product &amp;amp; Data, you will play a pivotal role in shaping the tools and systems that power our fertility clinics across Canada and North America.You will act as the bridge between business needs, design, and development, ensuring alignment, clarity, and accountability across the product lifecycle.This role requires someone who excels in execution and delivery, turning strategy into action and ensuring ideas translate into real outcomes. While primarily focused on hands-on delivery, you will also stay informed about market trends and comparable digital health products to refine and inform the feature roadmap.This is a role for someone who brings structure to ambiguity, drives progress through collaboration, and thrives on transforming plans into tangible results that improve the experience for both patients and clinic teams.Based in Pakistan, you will collaborate closely with teams across time zones, ensuring effective communication, coordination, and delivery in a distributed environment.Key ResponsibilitiesStakeholder Management &amp; Collaboration&middot; Build and maintain strong relationships across business, design, and engineering teams.&middot; Lead discussions to gather requirements, align priorities, and ensure smooth collaboration across time zones.&middot; Act as the main point of contact for product communication and delivery updates.Product Ownership&middot; Take end-to-end ownership of assigned products and features &mdash; from translating business needs into actionable development plans to successful launch and adoption.&middot; Maintain a deep understanding of how products support clinic operations and patient experiences, ensuring measurable business and user value.Execution &amp; Delivery&middot; Oversee day-to-day development activities to ensure that features are delivered on time, within scope, and at high quality.&middot; Proactively remove blockers, manage trade-offs, and maintain momentum throughout the delivery process.&middot; Ensure adherence to security, privacy, and compliance standards (e.g., HIPAA, PHIPA) relevant to healthcare software.Documentation &amp; Clarity&middot; Create and maintain clear, structured documentation including Business Requirements Documents (BRDs), feature specs, and release notes.&middot; Ensure all relevant teams &mdash; engineering, QA, design, and operations &mdash; have up-to-date information.UI/UX Collaboration &amp; Solution Design&middot; Work closely with UI/UX and engineering teams to define practical, user-centered solutions.&middot; Develop or review wireframes and user flows that effectively communicate product direction.&middot; Balance business requirements, usability, and technical constraints to deliver intuitive, clinic- ready products.Data-Driven Decision Making&middot; Define and track key product metrics such as adoption, engagement, and workflow efficiency.&middot; Use insights from data and feedback to identify areas for improvement and guide iteration.Risk Management&middot; Identify potential risks &mdash; such as integration dependencies, vendor reliability, or adoption barriers &mdash; and develop mitigation plans early in the process.Roadmap &amp; Market Awareness&middot; Maintain an updated, transparent product roadmap aligned with team priorities.&middot; Monitor competitive digital health products and fertility technology trends to inspire continuous improvement.Product Demos &amp; Reporting&middot; Lead product demos, retrospectives, and performance updates for leadership and key stakeholders.&middot; Translate complex delivery updates into clear, outcome-focused communication.QualificationsEducation&middot; Bachelor&rsquo;s degree in Business, Computer Science, Engineering, or a related field.Experience&middot; 3&ndash;5 years of experience in product management within a technology or digital product environment.&middot; Experience working with cross-functional and remote teams, preferably across time zones.&middot; Background in healthtech, digital health, or patient-facing products is strongly preferred.Skills &amp; Attributes&middot; Proven ability to manage stakeholders, prioritize effectively, and drive product delivery.&middot; Strong analytical and problem-solving skills, with a data-informed approach to decision making.&middot; Excellent communication and documentation abilities &mdash; written, visual, and verbal.&middot; Familiarity with Agile/Scrum environments and tools (e.g., Jira, Confluence, Figma, Miro).&middot; Understanding of healthcare data privacy and security frameworks (HIPAA, PHIPA).&middot; Self-driven and highly organized, with the ability to work independently and manage multiple streams of work simultaneously.Job Location:&middot; Onsite. Suite No. 2002, 2nd Floor, Parveen Building, D-7, Shaheed-e-Millat Road, Bangalore Town, Block A, Karachi 75350, Sindh, Pakistan.Schedule:&middot; Work hours 3 PM to 12 AM PKT (Mon - Fri)Job Type: Full-timePay: Rs250,000.00 - Rs300,000.00 per monthWork Location: In person

KDYS LAB Pvt Ltd

Job Summary:KDYS Lab Pvt Ltd is seeking a Technical Project Manager with 1-2+ years of experience to join our dynamic team in Karachi. The successful candidate will be responsible for planning and guiding the development of new features for a sophisticated SaaS platform. You will work at the intersection of product management, user experience, and software engineering to ensure our product continues to meet and exceed user expectations.Key Responsibilities:<ul><li>Define product requirements, create user stories, and manage the feature backlog using Agile principles.</li><li>Collaborate with the development team to refine technical specifications and provide guidance on data modeling and architecture.</li><li>Work with UI/UX designers to ensure a world-class user experience is at the core of all new features.</li><li>Conduct research to inform the product roadmap and ensure a competitive edge.</li><li>Serve as the key point of contact for product-related questions, ensuring alignment across design, development, and business goals.</li><li>Ensure all new development is consistent with the existing platform's architecture and standards.</li></ul>Required Qualifications:<ul><li>1-2 years of professional experience in technical project management, product ownership, or a similar role in the software industry.</li><li>Demonstrable experience with Agile/Scrum methodologies and project management tools (e.g., Jira, Asana).</li><li>Strong technical aptitude and a foundational understanding of web technologies, including APIs, databases, and front-end/back-end interactions.</li><li>Proven ability to work effectively with both technical and non-technical teams.</li><li>Excellent problem-solving and organizational skills.</li></ul>Bachelor's degree in Computer Science, Engineering, or a related field is preferred.Job Type: Full-timePay: Rs100,000.00 - Rs200,000.00 per monthApplication Question(s):<ul><li>Can you share a sample of wireframes? </li><li>What is your current salary? mention any benefits you get from the company.</li><li>What is your expected salary? Share the duration of your notice period.</li></ul>Experience:<ul><li>project managemnet: 2 years (Required)</li></ul>Work Location: In person

Technical Project Manager - Web/Mobile Applications

Carpe Diem (Pakistan)

About Carpe DiemCarpe Diem is a pioneering IT &amp; Software Development firm serving 300+ clients across the USA with a robust team of 600+ professionals.Specializing in a broad spectrum of technological and creative solutions, we empower our clients with innovative approaches in marketing automations, media buying, and custom software development.Our culture champions continuous learning and professional growth, fostering a dynamic and collaborative work environment.Position OverviewWe are seeking a proactive and client-focused Business Analyst to act as the primary liaison between our clients and internal teams. The role involves engaging directly with clients to gather requirements, understand their business challenges, and ensure that solutions delivered meet their expectations. This position requires strong communication, stakeholder management, and problem-solving skills.Key Responsibilities<ul><li>Serve as the main point of contact for clients to capture and understand business needs.</li><li>Conduct client meetings and interviews to gather and document requirements.</li><li>Translate client requirements into clear functional specifications for internal teams (design, development, QA, etc.).</li><li>Collaborate closely with project managers to ensure timely delivery aligned with client expectations.</li><li>Facilitate smooth communication between clients and internal stakeholders throughout the project lifecycle.</li><li>Manage requirement changes, clarifications, and ensure scope alignment.</li><li>Prepare and present requirement documentation, workflows, user stories, and process maps.</li><li>Support user acceptance testing (UAT) and ensure final solutions meet client needs.</li><li>Build strong, long-term client relationships through professional communication and trust.</li></ul>Required Skills and Experience<ul><li>Bachelor&rsquo;s degree in Business Administration, IT, or a related field</li><li>Proven experience as a Business Analyst in a client-facing role.</li><li>Exceptional communication and presentation skills with the ability to interact with international clients.</li><li>Strong documentation skills (BRDs, FRDs, user stories, process flows).</li><li>Familiarity with Agile/Scrum methodologies.</li><li>Ability to manage multiple client accounts and requirements simultaneously.</li><li>Strong problem-solving and negotiation skills.</li><li>Preferred Skills:</li><li>Experience in software development or digital transformation projects.</li><li>Exposure to tools like Jira, Confluence, Trello, or similar project management systems.</li><li>Understanding of SDLC (Software Development Lifecycle).</li></ul>Additional Details<ul><li>Job Type: Full-time (Remote)</li><li>Shift Timings: 7:00 PM to 4:00 AM</li><li>Salary Range: Market Competitive</li></ul>Job Type: Full-timeApplication Question(s):<ul><li>Current Salary</li><li>Expected Salary</li><li>Notice Period</li></ul>Work Location: Remote

Business Analyst

Lumenco Canada

Location: Pakistan Shift Timings: 5:00 PM &ndash; 2:00 AM or 6:00 PM &ndash; 3:00 AM (Pakistan Time)Position OverviewWe are seeking a highly organized and assertive Team Lead to oversee the Product &amp; Planning Department for our Canadian lighting e-commerce business (en.lumenco.ca). This role requires a strong leader with proven experience managing large multidisciplinary teams, exceptional problem-solving skills, and the ability to enforce structure, discipline, and accountability.Reporting directly to the company&rsquo;s owner, the Team Lead will ensure that all website operations, product management processes, and planning activities run efficiently, on schedule, and in alignment with strategic goals.Key Responsibilities<ul><li>Leadership &amp; Oversight</li><li>Supervise, coach, and evaluate the Product &amp; Planning team (including product data specialists, analysts, and marketing coordinators).</li><li>Establish clear objectives and performance metrics for all team members.</li><li>Hold weekly progress meetings and ensure accountability for deadlines and deliverables.</li><li>Identify performance issues early and implement corrective actions promptly.</li><li>Impose and maintain professional discipline, structured workflows, and operational consistency.</li><li>Operational Management</li><li>Oversee daily department operations and ensure alignment with Canadian management goals.</li><li>Develop and maintain task tracking systems (Google Sheets, Monday.com, or Asana) for visibility on progress and timelines.</li><li>Identify workflow bottlenecks and recommend process improvements.</li><li>Ensure all product listings, promotions, and pricing are accurate and executed on time.</li><li>Performance &amp; Optimization</li><li>Conduct site performance audits (layout testing, speed, usability, Google PageSpeed Insights).</li><li>Monitor and analyze website traffic, conversion data, and user behavior via Google Analytics.</li><li>Execute upsell and cross-sell strategies and evaluate promotional effectiveness.</li><li>Benchmark pricing and ensure competitive positioning of key product categories.</li><li>Prepare and present monthly team performance reports to Canadian management.</li><li>Cross-Department Coordination</li><li>Work closely with the SEO and marketing teams to improve visibility and sales performance.</li><li>Collaborate with data and content teams to ensure high-quality product information and accurate categorization.</li><li>Coordinate with management for priority planning, promotional scheduling, and performance reviews.</li></ul>Requirements<ul><li>Minimum 5 years of experience in e-commerce operations, product data management, or digital marketing performance.</li><li>Proven record of managing large multidisciplinary teams (minimum 8&ndash;10 people) across diverse functions.</li><li>Strong organizational and problem-solving ability; able to build processes and track team efficiency.</li><li>Excellent English communication skills (written and verbal).</li><li>Advanced proficiency in Google Analytics, Google Ads, Excel/Google Sheets, and general SEO principles.</li><li>Strong ability to identify problems, propose solutions, and execute corrective measures with authority.</li><li>Comfortable working night shifts aligned with Canadian hours.</li></ul>Why Join Us<ul><li>Opportunity to work directly with North American management and standards.</li><li>Competitive salary based on experience.</li><li>Growth potential within a performance-based structure.</li><li>Exposure to high-level e-commerce operations in a dynamic, fast-paced environment.</li><li>A collaborative but disciplined culture that rewards accountability and excellence.</li></ul>Job Type: Full-timePay: Rs150,000.00 - Rs175,000.00 per monthEducation:<ul><li>Master's (Preferred)</li></ul>Experience:<ul><li>Team Lead E-commerce: 5 years (Required)</li></ul>Language:<ul><li>English (Required)</li></ul>Work Location: In person

Team Lead – Product & Planning Department (Night Shift)

Explore 663+ Product owner in Karachi this November. Find roles across top companies and apply now to boost your career.

663 product owner jobs IN Karachi

Country Product Owner - Payments (Mashreq Digital Bank Pakistan)

Product Lead - Merchants (VP/SVP)

Product Manager

Product Manager

Technical Project Manager - Web/Mobile Applications

Business Analyst

Team Lead – Product & Planning Department (Night Shift)