ecommerce product lead

lead conversion executive Jobs in Karachi

lead conversion executive

products lead - lending

products lead - liability Jobs in Karachi

products lead - liability

accounting lead

products lead lending

HugoBank

<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>

AdalFi

<div>
 
 About AdalFi:
 
 
 
 AdalFi is a leading fintech company revolutionizing digital lending in Pakistan. We build intelligent credit infrastructure for banks, enabling them to make real-time, automated lending decisions using advanced data science, machine learning, and AI technologies.
 
 
 
 About the Role:
 
 
 
 We&rsquo;re looking for a Senior Software Engineers with deep expertise in .NET frameworks and proven experience building fintech products. You&rsquo;ll play a key role in designing scalable systems, solving complex engineering challenges, and leading a high-performing development team. This role is ideal for someone who is technically strong, takes initiative, and communicates effectively. Experience working at a product company is a huge plus.
 
 
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Development, and deployment of scalable fintech applications using the .NET tech stack.
 </li>
 <li>
 Own the end-to-end development cycle&mdash;from requirements gathering to implementation and delivery.
 </li>
 <li>
 Solve complex, real-world business problems with clean, efficient, and maintainable code.
 </li>
 <li>
 Collaborate with cross-functional teams including product, design, and DevOps.
 </li>
 <li>
 Mentor junior engineers and promote best practices in code quality, performance, and security.
 </li>
 <li>
 Take initiative in improving systems, tools, and processes to drive engineering excellence.
 </li>
 <li>
 Participate in architectural reviews and long-term technical planning.
 
 
 </li>
 </ul>
 
 Requirements:
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in computer science or a related field.
 </li>
 <li>
 2&ndash;4 years of software development experience with significant hands-on experience in .NET (C#, ASP.NET Core, Entity Framework, etc.).
 </li>
 <li>
 Strong understanding of object-oriented programming, design patterns, and clean architecture principles.
 </li>
 <li>
 Demonstrated experience working on or leading the development of fintech product(s) or platforms.
 </li>
 <li>
 Experience with SQL Server, REST APIs, microservices, and cloud platforms (preferably Azure).
 </li>
 <li>
 Excellent problem-solving skills and a proactive approach to technical challenges.
 </li>
 <li>
 Strong communication and leadership skills, with the ability to influence and align teams.
 </li>
 <li>
 A mindset focused on ownership, innovation, and continuous improvement.
 
 
 </li>
 </ul>
 
 What we offer:
 
 
 
 <ul>
 <li>
 A high-impact role in a fast-paced and growing fintech company.
 </li>
 <li>
 A collaborative, innovation-driven culture.
 </li>
 <li>
 Opportunities to grow and lead within a strong engineering organization.
 </li>
 <li>
 Competitive compensation and benefits.
 </li>
 </ul>
</div>

Senior Software Engineer

<div>
 
 About AdalFi
 
 
 
 At AdalFi, we&rsquo;re building Pakistan&rsquo;s fastest-growing AI-powered digital lending infrastructure, enabling banks to launch innovative credit products in days instead of months. Our platform uses advanced AI and data analytics to help financial institutions make smarter, faster lending decisions transforming access to credit for millions.
 
 
 
 Role Overview:
 
 
 
 
 In this role, you will:
 
 
 
 <ul>
 <li>
 Take ownership of high-stakes projects, ensuring timely and flawless implementation for top-tier banks.
 </li>
 <li>
 Work directly with customers, leading end-to-end delivery of AdalFi&rsquo;s solutions.
 </li>
 <li>
 Be part of a collaborative team driving innovation in financial workflows. Play a critical role in optimizing banking operations, customer experiences, and product delivery.
 
 
 </li>
 </ul>
 
 Key Responsibilities:
 
 
 
 <ul>
 <li>
 Implementation Leadership: Lead all implementation phases, including pre-UAT, UAT, production deployments, and post-go-live support.
 </li>
 <li>
 Customer Engagement: Serve as the primary point of contact for customers, managing expectations and ensuring professional communication throughout the project lifecycle.
 </li>
 <li>
 UAT Coordination: Plan, execute, and oversee UAT sessions with banks, resolving issues and ensuring readiness for production.
 </li>
 <li>
 Issue Resolution: Proactively track and resolve technical and operational issues, escalating when necessary.
 </li>
 <li>
 Process Optimization: Identify inefficiencies in workflows and recommend improvements to enhance delivery.
 </li>
 <li>
 Collaboration: Work closely with engineering, QA, and product teams to ensure alignment on deliverables and timelines.
 </li>
 <li>
 Mentorship: Provide guidance to junior team members, helping them grow and succeed.
 
 
 </li>
 </ul>
 
 Required Skills &amp; Experience:
 
 
 Soft Skills:
 
 
 
 <ul>
 <li>
 Outstanding communication and interpersonal skills to manage client relationships effectively.
 </li>
 <li>
 Strong leadership abilities to guide projects and teams.
 </li>
 <li>
 Exceptional organizational and multitasking skills to manage multiple projects simultaneously.
 </li>
 <li>
 A problem-solving mindset with a focus on delivering results. Hard Skills:
 </li>
 <li>
 Proven experience in implementing software solutions, especially in banking or financial domains.
 </li>
 <li>
 Expertise in UAT processes, system testing, and API integrations.
 </li>
 <li>
 Proficiency with tools like JIRA, Confluence, or Asana.
 </li>
 <li>
 Advanced technical skills, including SQL, debugging, and understanding of system configurations.
 
 
 </li>
 </ul>
 
 Qualifications:
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Computer Science, Software Engineering, or a related field from a reputed university.
 </li>
 <li>
 2-4 years of experience in implementation, delivery, or project management roles, preferably in the banking or fintech sector.
 </li>
 </ul>
</div>

Senior Application Consultant

Adal Fintech (Pvt) Ltd.

<div>About AdalFi
At AdalFi, we&rsquo;re building Pakistan&rsquo;s fastest-growing AI-powered digital lending infrastructure, enabling banks to launch innovative credit products in days instead of months. Our platform uses advanced AI and data analytics to help financial institutions make smarter, faster lending decisions transforming access to credit for millions.
About the Role
As a SQA Engineer at AdalFi, you will be instrumental in ensuring the quality, performance, and reliability of our software products. You will collaborate closely with cross-functional teams, especially developers and product managers, to thoroughly test mobile and web applications. The ideal candidate should have strong analytical skills, a passion for breaking software, and experience in writing test cases, reporting bugs, and working in Agile/Scrum environments.
Responsibilities<ul><li>Test mobile and web-based applications to ensure they meet the highest quality standards.</li><li>Identify and document bugs or inconsistencies, and collaborate with developers to resolve them efficiently.</li><li>Create and maintain detailed test cases and test scripts based on business requirements and user stories.</li><li>Perform various types of testing including UI, regression, cross browser, integration and User Acceptance Testing (UAT).</li><li>Develop and improve testing infrastructure and internal QA processes for efficient and consistent test execution.</li><li>Write clear and structured test reports, summarizing test results, performance issues, and defect metrics.</li><li>Participate actively in all phases of the software development lifecycle, providing input during design, development, and release.</li><li>Collaborate with cross-functional teams [Dev, BA and UX] to ensure the software aligns with user expectations and is delivered on time.</li></ul>
Required Skills &amp; Qualifications<ul><li>Bachelor&rsquo;s degree in Computer Science, Engineering, or a related field.</li><li>2&ndash;4 years of hands-on experience in manual testing, preferably in agile development environments.</li><li>Strong understanding of QA methodologies, testing techniques, and software development processes.</li><li>Having automation experience is a huge plus.</li><li>Experience writing and executing test cases, test plans, and bug reports.</li><li>Familiarity with defect tracking tools like Jira or similar platforms.</li><li>Strong analytical, problem-solving, and communication skills.</li><li>Detail-oriented mindset with a passion for delivering high-quality user experiences.</li></ul>
Why Join AdalFi?
At AdalFi, we&rsquo;re reshaping how financial products are built and delivered. Joining our QA team means being part of a fast-paced, collaborative environment where your contributions make a visible impact. You'll grow your skills alongside a team of passionate professionals and take pride in building reliable, user-centric software.</div>

Senior QA Engineer

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

Products Owner - Cards

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

Explore 829+ Products lead lending in Karachi this December. Find roles across top companies and apply now to boost your career.

829 products lead lending jobs IN Karachi

Products Lead - Lending

Products Lead - Lending

Senior Software Engineer

Senior Application Consultant

Senior QA Engineer

Products Owner - Cards

Products Owner - Cards