sme product manager

Mashreq

<div>
 
 
 Job Purpose:
 
 
 
 The Digital Product Lead holds end-to-end responsibility for the development, launch, and continuous improvement of Mashreq&rsquo;s SME servicing platform. This role involves managing the full lifecycle of digital products and services &mdash; from ideation and design to delivery, optimization, and eventual phase-out &mdash; with a strong focus on enhancing the SME customer experience. Operating within Mashreq&rsquo;s Digital Studio, the Product Lead works collaboratively in a cross-functional squad, bringing expertise in product strategy, digital channels, customer journeys, and process optimization. The role requires a deep understanding of SME needs and behaviors, as well as the ability to harmonize product features with business goals and regulatory requirements.
 
 
 
 
 
 
 Key Result Areas:
 
 
 <ul>
 <li>
 Applies deep knowledge of SME banking products and services to develop and maintain a compelling, compliant, and customer-centric value proposition.
 </li>
 <li>
 Leads the development, optimization, and eventual phase-out of SME servicing processes, ensuring seamless digital experiences across onboarding, servicing, payments, and cash flow management.
 </li>
 <li>
 Manages urgent incidents and identifies high-impact improvement opportunities to enhance platform performance and customer satisfaction.
 </li>
 <li>
 Proposes and implements structural enhancements to workflows based on feedback from SME clients and frontline teams.
 </li>
 <li>
 Actively contributes to all agile sprint ceremonies (planning, refinement, retrospectives, demos) using domain expertise to guide delivery.
 </li>
 <li>
 Monitors market trends, competitor offerings, regulatory changes, and technology advancements relevant to SME banking.
 </li>
 <li>
 Evaluates build vs. buy decisions for platform components, balancing innovation, cost, and time-to-market.
 </li>
 <li>
 Initiates and leverages customer research to inform product strategy and experience design.
 </li>
 <li>
 Designs and executes strategy across product features, digital channels, pricing, and service quality &mdash; aligned with Mashreq&rsquo;s brand and SME customer needs.
 </li>
 <li>
 Translates strategic goals into actionable product, process, and channel policies, considering:
 </li>
 <li>
 SME product assortment strategy
 </li>
 <li>
 IT architecture and integration capabilities
 </li>
 <li>
 Regulatory and compliance requirements
 </li>
 <li>
 Process efficiency and cost optimization
 </li>
 <li>
 Oversees implementation of strategy, monitors squad progress, and adjusts priorities as needed in the role of Product Owner.
 </li>
 <li>
 Prioritizes the product backlog based on strategic goals, customer impact, and technical feasibility, in collaboration with the Digital Studio Lead.
 </li>
 <li>
 Manages sprint planning, budget alignment, and backlog execution to ensure timely delivery of SME platform features.
 </li>
 <li>
 Balances margin, volume, and market share considerations while keeping SME customer interests at the core.
 </li>
 <li>
 Designs and continuously improves SME customer journeys using CX insights, data analytics, and UX/IT landscape mapping.
 </li>
 <li>
 Applies digital marketing and communication strategies to optimize channel performance and customer engagement.
 </li>
 <li>
 Maintains up-to-date knowledge of SME business needs, application architecture, and enabling technologies. Translates business requirements into working software through close collaboration with engineering teams.
 </li>
 <li>
 Provides product-related insights and updates to internal and external stakeholders, including regulators, partners, and industry bodies.
 </li>
 <li>
 Leads, coaches, and develops squad members, fostering a high-performance culture and enabling future-ready capabilities.
 </li>
 </ul>
 
 
 
 
 
 Knowledge, Skills &amp; Experience:
 
 
 
 
 
 <ul>
 <li>
 Minimum of
 
 5 years of experience in banking
 
 , SME-focused initiatives, or related digital product delivery, with a strong understanding of the SME segment and its unique needs.
 </li>
 <li>
 Proven experience in
 
 requirements gathering
 
 , translating business needs into user stories, and collaborating with engineering, data, or UX teams to deliver impactful solutions.
 </li>
 <li>
 Demonstrated success as a
 
 Product Owner or Product Manager
 
 in banking, fintech, or enterprise software environments.
 </li>
 <li>
 Background in
 
 engineering, technology, or UX
 
 is preferred, with the ability to bridge business and technical domains.
 </li>
 <li>
 Strong understanding of the
 
 software development lifecycle
 
 and experience working in
 
 Agile/Scrum
 
 environments.
 </li>
 <li>
 Excellent
 
 negotiation, leadership, and stakeholder management
 
 skills, with the ability to influence cross-functional teams and senior leadership.
 </li>
 <li>
 Exceptional
 
 communication and presentation skills
 
 , with confidence in engaging senior stakeholders and external partners.
 </li>
 <li>
 Highly collaborative, with a strong sense of
 
 teamwork and individual accountability
 
 .
 </li>
 <li>
 Strong
 
 analytical and quantitative skills
 
 , with the ability to interpret data and translate insights into product decisions.
 </li>
 <li>
 Strategic thinker with a tactical mindset &mdash; able to balance long-term vision with short-term execution.
 </li>
 <li>
 Brings a
 
 high-energy, passionate outlook
 
 , and inspires teams with a &ldquo;can-do&rdquo; attitude.
 </li>
 <li>
 Builds
 
 trust and rapport
 
 across teams, fostering a productive and inclusive work environment.
 </li>
 <li>
 Passionate about
 
 innovation
 
 , customer-centric design, and delivering value to SME clients through digital transformation.
 </li>
 </ul>
 
 
</div>

Senior Product Owner - SME Channels (Mashreq Digital Bank Pakistan)

HugoBank

<div>
 The Product Owner - Merchants is responsible for building, managing, and scaling HugoBank'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'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>
 <li>
 Develop value-added services (e.g., digital invoicing, spend insights, and business analytics dashboards) that enhance financial management for SMEs
 
 
 </li>
 </ul>
 
 Payments Strategy &amp; Product Development:
 
 
 
 <li>
 Develop and operationalize SME lending products, including:
 </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>
 <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>
 <li>
 Conduct risk-return analysis, product pricing, and profitability modelling for SME credit lines
 
 
 </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>
 <li>
 Represent the Bank in SME ecosystem forums to promote digital adoption and financial empowerment
 
 
 </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'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>
 <li>
 Drive continuous monitoring of portfolio health, NPL ratios, and take corrective actions in coordination with Risk and Finance functions
 
 
 </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's degree in Business Administration, Economics, Finance, or related field
 </li>
 <li>
 Master'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)

<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>

Mastercard

<div>Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we&rsquo;re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Director, Product Management - Small &amp; Medium Enterprises
The Director Product Management will support the Head of SME Product Development EEMEA to lead the product management of SME solutions in EEMEA . These solutions will support Issuing distribution partners and Acquiring distribution partners as well as the end SME user. They may also support additional new distribution partners like the government, fintechs, and digital players.
 
 
This role will work with the SME EEMEA Head, Global SME product team, Regional Commercialization Leads, regional delivery and account teams to develop a regional SME strategy, solutions and go to market plans to win more business and grow programs with our customers.
 
 
Role:
 
 
Strategy
 
 
<ul><li>Drive EEMEA Small Business by developing a deep understanding of the segment through benchmarking, competitive analyses, and research; recommending best practices; and generating profitability analyses and business cases.
</li><li>Support the management of card and acquiring program for continued growth in the segment.
</li><li>Provide thought leadership on innovative programs, functionalities, and strategies Mastercard can implement with issuers.
</li><li>Utilize small business industry expertise to construct Mastercard&rsquo;s point of view on small business as a segment, as well as to guide issuers in creating their differentiated strategic approaches to the small business segment.
</li></ul> 
Product development
 
 
<ul><li>Support the segment and collaborate with regional management and specific issuers, acquirers &amp; partners on customized programs to optimize existing products for small businesses, including acquisition, usage/spend, &amp; retention tactics.
</li><li>Provide input into global SME product management activities
</li><li>Complete opportunity assessments including business cases on new ideas and concepts.
</li><li>Define optimum product economics for the approval in RPIC
</li></ul> 
Product management
 
 
<ul><li>Support the tracking and delivery of portfolio results as well as the results of new product/product enhancements to determine effectiveness and refine strategy development.
</li><li>Ensure product suite is continually updated to exceed cardholder and issuer expectations, industry standards, and competitive pressures. Support ownership of competitive assessments to feed into global product/product architect organization related to drive product development needs or bundled solutions
</li><li>Manage performance of existing products and issuer implementations.
</li><li>Continuously assess and optimize product economize to support issuance of right products for the right segments
</li><li>Support Commercialization and Account teams with customer facing small business expertise and support related to small business portfolio business development with banks and non-traditional partners
</li><li>Work with Commercialization and Account teams to develop solutions to support customer segment needs
</li><li>Work with Commercialization and Account teams to develop solutions to support customer segment needs and differentiate product offering
</li></ul> 
People leadership
 
 
<ul><li>Leveraging research and data analytics to expand and optimize the current business with the goal of reaching underpenetrated programs, product lines, and markets
</li><li>Drive product management discipline including: supporting the product value proposition, analyzing product economics, developing consumer engagement and portfolio optimization tools
</li></ul> 
All About You
 
 
<ul><li>Solid experience in the payment/technology industry in product management.
</li><li>Understanding of card issuing and payments technologies.
</li><li>Proven track record in bringing ideas from creation to execution.
</li><li>Strong operational/technical background within the payments and financial services industries.
</li><li>Strong leadership skills, able to get things done through influencing others
</li><li>Strong written and verbal communication skills, ability to present to customers and at conferences
</li><li>Strong business acumen
</li><li>Self-motivated with a proven track record of delivering success while operating within a matrix and team environment
</li><li>Proven experience, and network of relationships in the Fintech industry for the identification and development of opportunities where new and innovative technologies align with Mastercard&rsquo;s strategy.
</li><li>Understanding of competitive offerings and industry trends in the markets.</li></ul>
Corporate Security Responsibility 
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:<ul><li>
Abide by Mastercard&rsquo;s security policies and practices;</li><li>
Ensure the confidentiality and integrity of the information being accessed;</li><li>
Report any suspected information security violation or breach, and</li><li>
Complete all periodic mandatory security trainings in accordance with Mastercard&rsquo;s guidelines.</li></ul></div>

Director, Product Management - Small & Medium Enterprises

Fawry MSME Finance

<div>
 
 &middot; Manage and enhance all SME lending products (Term Loans, OVD, Credit Line).
 
 
 
 &middot; Design and launch new products/offers tailored to market needs.
 
 
 
 &middot; Create supply chain/vendor programs and bundled offers (loans + acceptance + payroll).
 
 
 
 &middot; Develop special lending programs (Islamic, EBRD, MSMEDA).
 
 
 
 &middot; Build scoring-based lending models in coordination with Risk and IT.
 
 
 
 &middot; Conduct continuous market and competitor analysis to identify opportunities.
 
 
 
 &middot; Calculate break-even and profitability for each product.
 
 
 
 &middot; Ensure full regulatory compliance and assess risk exposure.
 
 
 
 &middot; Collaborate with cross-functional teams (Risk, IT, Marketing, Operations).
 
 
 
 &middot; Leverage technology to develop digital-first lending solutions.
 
 
 
 &middot; Communicate effectively to secure alignment and execution across all units.
 
 
 
 
 
 Requirements
 
 
 
 &middot; Minimum 6 years of experience in Product Management (preferably in SME Finance or Fintech).
 
 
 
 &middot; Strong analytical, risk management, and communication skills.
 
 
 
 &middot; Proven track record of launching and managing profitable lending products.
 
 
 
 &middot; Deep understanding of digital financial services and regulatory frameworks.
 
 
 
 
 
</div>

Product Manager

<div>
 
 Our Purpose
 
 
 
 
 Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we&rsquo;re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
 
 
 
 
 Title And Summary
 
 
 
 Director, Product Management - Small &amp; Medium Enterprises
 
 
 The Director Product Management will support the Head of SME Product Development EEMEA to lead the product management of SME solutions in EEMEA . These solutions will support Issuing distribution partners and Acquiring distribution partners as well as the end SME user. They may also support additional new distribution partners like the government, fintechs, and digital players.
 
 
 This role will work with the SME EEMEA Head, Global SME product team, Regional Commercialization Leads, regional delivery and account teams to develop a regional SME strategy, solutions and go to market plans to win more business and grow programs with our customers.
 
 
 
 Role
 
 
 
 Strategy
 
 
 <ul>
 <li>
 Drive EEMEA Small Business by developing a deep understanding of the segment through benchmarking, competitive analyses, and research; recommending best practices; and generating profitability analyses and business cases.
 </li>
 <li>
 Support the management of card and acquiring program for continued growth in the segment.
 </li>
 <li>
 Provide thought leadership on innovative programs, functionalities, and strategies Mastercard can implement with issuers.
 </li>
 <li>
 Utilize small business industry expertise to construct Mastercard&rsquo;s point of view on small business as a segment, as well as to guide issuers in creating their differentiated strategic approaches to the small business segment.
 
 
 
 </li>
 </ul>
 Product development
 
 
 <ul>
 <li>
 Support the segment and collaborate with regional management and specific issuers, acquirers &amp; partners on customized programs to optimize existing products for small businesses, including acquisition, usage/spend, &amp; retention tactics.
 </li>
 <li>
 Provide input into global SME product management activities
 </li>
 <li>
 Complete opportunity assessments including business cases on new ideas and concepts.
 </li>
 <li>
 Define optimum product economics for the approval in RPIC
 
 
 
 </li>
 </ul>
 Product management
 
 
 <ul>
 <li>
 Support the tracking and delivery of portfolio results as well as the results of new product/product enhancements to determine effectiveness and refine strategy development.
 </li>
 <li>
 Ensure product suite is continually updated to exceed cardholder and issuer expectations, industry standards, and competitive pressures. Support ownership of competitive assessments to feed into global product/product architect organization related to drive product development needs or bundled solutions
 </li>
 <li>
 Manage performance of existing products and issuer implementations.
 </li>
 <li>
 Continuously assess and optimize product economize to support issuance of right products for the right segments
 </li>
 <li>
 Support Commercialization and Account teams with customer facing small business expertise and support related to small business portfolio business development with banks and non-traditional partners
 </li>
 <li>
 Work with Commercialization and Account teams to develop solutions to support customer segment needs
 </li>
 <li>
 Work with Commercialization and Account teams to develop solutions to support customer segment needs and differentiate product offering
 
 
 
 </li>
 </ul>
 People leadership
 
 
 <ul>
 <li>
 Leveraging research and data analytics to expand and optimize the current business with the goal of reaching underpenetrated programs, product lines, and markets
 </li>
 <li>
 Drive product management discipline including: supporting the product value proposition, analyzing product economics, developing consumer engagement and portfolio optimization tools
 
 
 
 </li>
 </ul>
 
 All About You
 
 
 
 <ul>
 <li>
 Solid experience in the payment/technology industry in product management.
 </li>
 <li>
 Understanding of card issuing and payments technologies.
 </li>
 <li>
 Proven track record in bringing ideas from creation to execution.
 </li>
 <li>
 Strong operational/technical background within the payments and financial services industries.
 </li>
 <li>
 Strong leadership skills, able to get things done through influencing others
 </li>
 <li>
 Strong written and verbal communication skills, ability to present to customers and at conferences
 </li>
 <li>
 Strong business acumen
 </li>
 <li>
 Self-motivated with a proven track record of delivering success while operating within a matrix and team environment
 </li>
 <li>
 Proven experience, and network of relationships in the Fintech industry for the identification and development of opportunities where new and innovative technologies align with Mastercard&rsquo;s strategy.
 </li>
 <li>
 Understanding of competitive offerings and industry trends in the markets.
 
 
 
 </li>
 </ul>
 
 Corporate Security Responsibility
 
 
 
 All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
 
 
 <ul>
 <li>
 Abide by Mastercard&rsquo;s security policies and practices;
 </li>
 <li>
 Ensure the confidentiality and integrity of the information being accessed;
 </li>
 <li>
 Report any suspected information security violation or breach, and
 </li>
 <li>
 Complete all periodic mandatory security trainings in accordance with Mastercard&rsquo;s guidelines.
 </li>
 </ul>
</div>

Enpara.com

<div>
 
 
 Enpara.com SME Banking Product/Process Management Junior
 
 
 
 
 
 
 
 How about being part of Enpara&rsquo;s success story?
 
 
 
 Since 2012, we have been moving forward with the vision of becoming &ldquo;the biggest bank with the happiest customers in T&uuml;rkiye&rdquo;. At Enpara, saying &ldquo;I have an idea&rdquo; is not about courage &ndash; it&rsquo;s part of our culture. Respect, empathy and appreciation aren&rsquo;t just words on paper for us; they are essential elements of our team spirit. If you want to work with a team where transparency, sincerity, and human values truly matter, you are in the right place.
 
 
 When we look for teammates who will add value to our team, we believe this: just as brands should care about their customers, we know that our employees must be happy first &ndash; so that together, we can create stories of happy customers.
 
 
 If you would like to be part of a passionate, energetic, and constantly innovative team that has achieved many firsts in the Turkish banking sector, we would love to receive your application!
 
 
 We look forward to your application!
 
 
 
 
 
 
 What awaits you at Enpara?
 
 
 
 &bull; Training programs and opportunities to help you grow your career,
 
 
 &bull; Private health and life insurance,
 
 
 &bull; Additional special leave opportunities on top of your annual vacation &ndash; and much more&hellip;
 
 
 
 
 
 
 
 
 
 What are the main responsibilities of the SME Banking Product/Process Management Junior?
 
 
 <ul>
 <li>
 Developing products and services in line with customer needs and market trends,
 </li>
 <li>
 Leading all the product development and process improvement projects, managing the projects and ensuring that they are successfully delivered and monitoring their impact on business results,
 </li>
 <li>
 Coordinating with relevant third parties and Information Technology teams for current and new product/process initiatives,
 </li>
 <li>
 Ensuring all processes are compliant with regulations and keeping track of changes in relevant regulations,
 </li>
 <li>
 Keeping up with technology, digital developments and related sector trends and coming up with new project ideas,
 </li>
 <li>
 Exploring all possible new or existing business opportunities.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 What kind of knowledge and expertise should the SME Banking Product/Process Management Junior have?
 
 
 <ul>
 <li>
 Graduated from a reputable university with Engineering, Business Administration, Economy or relevant fields&rsquo; degree,
 </li>
 <li>
 Maximum 1 year of experience in relevant fields,
 </li>
 <li>
 Having analytical thinking skills and competency to work closely with Information Technology teams,
 </li>
 <li>
 Strong communication skills in addition to follow-up and time management skills,
 </li>
 <li>
 Strong analytical mindset,
 </li>
 <li>
 Advanced problem-solving and strategic thinking skills,
 </li>
 <li>
 Inquisitive and innovative,
 </li>
 <li>
 Aptitude for teamwork,
 </li>
 <li>
 Fluent in English,
 </li>
 <li>
 Good command of MS Office applications,
 </li>
 <li>
 Preferably, knowledge of SQL.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 About the company
 
 
 
 Enpara.com introduced the concept of &ldquo;Digital Banking&rdquo; to T&uuml;rkiye in 2012 - well before it was adopted in many developed countries - and continues to maintain its pioneering and leading position in this field. As Enpara.com, our top priority has always been to enrich our products and services with an innovative, customer-focused approach. We aim to continue on our 100% digital, branch-free journey, contributing to T&uuml;rkiye&rsquo;s economy as we grow.
 
 
 Enpara Bank A.&Scedil;. is a deposit bank that received its operating license from the Banking Regulation and Supervision Agency (BRSA) in August 2024, and is a subsidiary of Qatar National Bank (Q.P.S.C.) (QNB Group).
 
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