Product Manager
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Job Purpose:
Mashreq Bank Pakistan is seeking a visionary and execution-driven EVP – Country Product Owner – Cash Digitisation to lead the strategy and development of cash digitisation vertical. The role will be responsible for end-to-end ownership of all the cash digitisation initiatives, digital instruments, digital KIOSK channel, Digital International Transfers and new partnerships, including their development on customer-facing digital touchpoints, for example, mobile banking, internet banking, and emerging platforms (chatbots, conversational AI, open banking, etc.). This is a critical leadership position that requires strategic thinking, product innovation, and execution excellence to position Mashreq Bank as the leading digital-first bank in Pakistan.
Key Result Area:
Strategic Leadership
• Define and execute the bank’s cash digitisation strategy aligned with customer needs, regulatory expectations, and business objectives.
• Champion the digital & agile model across the organisation
Product Ownership
• Lead the product management, design, and development of:
- Cash Digitisation Roadmap (Individual & SME)
- Lead the development and roadmap of the Digital KIOSK channel
- Lead the development and roadmap of International Transfers initiatives.
- New Partnerships product development
- Product and Features roll out on cross platforms.
- Align the product dependencies both internal & external.
Customer Experience & Innovation
• Build intuitive, secure, and personalised digital journeys across platforms.
• Leverage data analytics, customer feedback, and UX best practices to enhance experience.
Technology & Delivery
• Collaborate with Engineering, Information Security, and DevOps to ensure secure, scalable, and high-performing digital platforms.
Drive agile delivery frameworks and manage digital product backlogs.
Performance & P&L
• Own KPIs related to digital transactions and optimisation of Cash IN & Cash Out cost.
• Ensure product adoption across the customer segments.
Stakeholder & Partner Engagement
• Work closely with Compliance, Risk, and SBP regulators to ensure secure and compliant platforms.
• Build strategic alliances with fintech’s, telcos, Banks and technology providers. Strong understanding of SBP digital banking regulations, cybersecurity, and regional customer behavior.
Knowledge, Skills & Experience:
• Experience: 10+ years in digital banking, fintech, or digital product leadership; minimum 5 years in a senior/executive role.
• Education: Bachelor’s in computer science, Business, or related field; MBA or master’s preferred.
• Expertise in: Digital Product Development, Digital channels, UX/UI, Agile delivery, Open APIs, emerging technologies (AI/ML, cloud, open banking)
• Proven track record of launching and scaling digital products in banking or financial services.
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Mashreq is the UAE's oldest privately owned bank, based in Dubai. It offers retail, corporate and treasury banking and the digital bank Mashreq NEO, with large operations and technology centres in Pakistan, India and Egypt.
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