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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 Lead - 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>
 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

AppInSnap

Job Summary: We are seeking a proactive and client-focused Bank Relationship Officer to manage and grow relationships with corporate and individual clients. The ideal candidate will serve as the primary point of contact for clients, ensure excellent service, promote banking products, and contribute to customer retention and business growth. This role requires strong communication, interpersonal, and analytical skills.Key Responsibilities:<ul><li>Build and maintain strong relationships with existing and potential clients.</li><li>Understand clients&rsquo; financial needs and recommend appropriate banking products and services (loans, deposits, accounts, credit cards, etc.).</li><li>Serve as a trusted advisor, resolving client queries and ensuring high levels of customer satisfaction.</li><li>Coordinate with internal teams (operations, credit, compliance) to ensure smooth account management and service delivery.</li><li>Monitor client accounts and identify opportunities for cross-selling and up-selling banking solutions.</li><li>Prepare reports on client activity, account performance, and pipeline growth.</li><li>Assist clients with account openings, documentation, KYC compliance, and other banking procedures.</li><li>Stay updated on market trends, banking products, and competitor offerings to provide informed advice.</li></ul>Required Qualifications &amp; Skills:<ul><li>Bachelor&rsquo;s degree in finance, Business Administration, Economics, or related field.</li><li>2&ndash;5 years of experience in banking, relationship management, or sales-oriented roles.</li><li>Strong knowledge of banking products, financial regulations, and account management practices.</li><li>Excellent communication, negotiation, and interpersonal skills.</li><li>Customer-oriented mindset with the ability to manage multiple client accounts efficiently.</li><li>Proficiency in Microsoft Office and banking software.</li></ul>Soft Skills:<ul><li>Professional demeanor and strong ethical standards.</li><li>Problem-solving and conflict-resolution abilities.</li><li>Ability to work independently and as part of a team.</li><li>Detail-oriented and highly organized.</li></ul>Job Type: Full-timeWork Location: In person

Bank Relationship Officer

Limton Group of Companies

Limton Group of companies is currently hiring for CRM Coordinator, responsible for all the tasks related to complaint management, repair and inhouse companion products sales in CSD. Required to coordinate with the customers, note their issues and coordinate with field engineers or inhouse engineers for resolution of complaint or repair as case maybe. Also required to deal with walk-in clients who come to purchase or collect companion products and/or repaired machines. Ensuring quality checks and timelines check on engineers is important.Qualification RequirementsBE (Electronics) / MSc (Applied Physics)DAE (Electronics) with some business backgroundExperience RequirementsAt least one year working experience in similar capacity or in technical coordinationSkills RequirementExcellent verbal and written communication skills (in English); able to coordinate with variety of internal &amp; external customers; organizational and planning skills, handle multiple tasks simultaneously, set goals and meet deadlines, ability to take initiative; analytical, reasoning and problem solving skills; ability to maintain accurate and detailed records; computer literacy.Job Responsibilities:Receive and log client complaints, assign to engineers for timely resolution.Follow up on visits, collect client feedback on engineer performance.Achieve sales targets for Companion Products.Assist clients, generate IRFs, coordinate invoicing, and ensure prompt delivery.Efficiently handle credit sales and follow up on payment.Meet monetary targets for Repairs.Receive and log repair requests, coordinate estimates, and ensure timely completion.Generate IRFs, coordinate invoicing, and collect payments promptly.Monitor repaired machines, inform clients, and manage outstanding payments.Verify daily reports of engineers and technicians.Submit daily activity reports to ACSM.Maintain reports for all operations and conduct customer satisfaction surveys.Forward cases to Marketing Department.Check and counter-sign contract and warranty cards.Kindly apply those candidate who have technical background.Position is open for both male and female applicants.0349-3531183Job Type: Full-timePay: Rs45,000.00 - Rs50,000.00 per monthWork Location: In person

Horizon Tech

About the Role We are seeking a remote graphic designer with strong production and prepress skills who can support both template creation for our online storefront and ongoing daily design work. This role starts with building accurate product templates that include proper bleeds, safe zones, and PDF field mapping so customers can personalize items directly on our webstore. After the initial template work, the designer will expand into a long-term production role handling a wide range of printed and digital assets. The position requires someone reliable, fast, organized, and confident working across everything from small-format paper products to large-format signage and apparel graphics.Key Responsibilities<ul><li>Create customer-facing design templates for a variety of products using correct bleeds, safe zones, and print specifications</li><li>Build and map PDF templates using form-field mapping based on provided examples</li><li>Produce daily production artwork including print-ready files for business cards, brochures, menus, flyers, booklets, decals, banners, and apparel graphics</li><li>Handle vector cleanup, artwork recreation, and accurate file preparation</li><li>Work on large-format layouts, signage, and other wide-format items</li><li>Maintain clean, professional layout standards across multi-page and paper-based products</li><li>Support marketing with occasional social media graphics</li><li>Communicate clearly, meet timelines, and maintain consistent accuracy across projects</li></ul>Qualifications<ul><li>Strong Adobe Illustrator and InDesign skills</li><li>Experience creating print templates and working with PDF field mapping or similar form setups</li><li>Solid understanding of print production including CMYK, spot colors, bleeds, trim lines, and vector work</li><li>Proven ability to design clean and organized layouts for menus, brochures, and other multi-page documents</li><li>Experience with large-format design and apparel graphics is preferred</li><li>Ability to work quickly without sacrificing accuracy</li><li>Dependable communication and consistent follow-through</li></ul>Job Type: Full-timePay: Rs150,000.00 - Rs200,000.00 per monthWork Location: In person

Prepress Graphic Designer (ZR-591)

Darul Madinah International School

<ul><li>Plan, prepare, and deliver engaging lessons using visual and audio tools in a safe, productive classroom environment.</li><li>Develop and distribute educational materials such as worksheets, notes, tests, and assignments, ensuring interactive and effective learning.</li><li>Collaborate with teachers, parents, and stakeholders to support student performance and participate in regular academic meetings.</li><li>Maintain a growth mindset toward student learning, teaching practices, and ongoing professional development.</li><li>Support student development by attending parent‑teacher meetings and providing periodic progress reports and result cards.</li></ul>Job Type: Full-timePay: From Rs25,000.00 per monthApplication Question(s):<ul><li>What is your level of familiarity with AI and STREAM education, and how are you currently developing your skills in these areas?</li></ul>Education:<ul><li>Bachelor's (Preferred)</li></ul>Experience:<ul><li>Teaching: 3 years (Preferred)</li></ul>Language:<ul><li>English (Preferred)</li></ul>Location:<ul><li>Karachi (Preferred)</li></ul>Work Location: In person

Academic Subject Teacher (Science, Maths, Computer, English)

Explore 777+ Products lead cards in Karachi this January. Find roles across top companies and apply now to boost your career.

777 products lead cards jobs IN Karachi

Products Lead - Cards

Products Lead - Cards

Products Lead - Lending

Bank Relationship Officer

CRM

Prepress Graphic Designer (ZR-591)

Academic Subject Teacher (Science, Maths, Computer, English)