Job Description:
Manager – Digital Lending & Product Development
Location: Karachi, Pakistan (Onsite/remote)
Contract Type: Full-Time Permanent
Role Overview
Our Client is an established banking institution based in Karachi seeking an experienced and execution-focused Manager to lead digital lending and product development initiatives. The ideal candidate will bring a strong background in investment and lending product management, embedded finance, and Shariah-compliant structures within the Pakistani banking landscape.
Key Responsibilities
- Lead the end-to-end product lifecycle for digital lending and investment products from origination through to settlement, reconciliation, and compliance.
- Act as the key liaison between business, technology, compliance, and Shariah Board for product approvals, system integrations, and platform enhancements.
- Translate business requirements into structured product documentation including BRDs, FSDs, and Product Manuals.
- Design and oversee digital onboarding workflows and operational processes for lending and embedded finance platforms.
- Conduct UATs and manage deployment of digital financing user journeys across banking and third-party applications.
- Drive data-driven insights to continuously improve product performance and user experience.
- Engage with regulators, Shariah advisors, and external partners to ensure full compliance and governance.
- Identify market gaps and opportunities; lead competitor and industry research to inform product strategy.
- Communicate product vision, performance updates, and strategic recommendations to senior management and stakeholders.
Required Experience & Skills
- 10+ years in digital lending and product management within the banking sector in Pakistan.
- Strong knowledge of conventional and Islamic banking products including embedded finance and Sukuks.
- Experience with Shariah-compliant structures and working with Shariah Boards.
- Familiarity with SBP regulations, KYC, AML, and Agile delivery.
- CFA Charter or MBA in Finance preferred.
- Must be Karachi-based and available to work onsite.
Required Skills:
Settlement
Development
Manuals
Structures
Approvals
Compliance
User Experience
Product Management
Onboarding
Product Development
Business Requirements
Agile
Banking
Strategy
Regulations
Research
Documentation
Finance
Design
Business
Management
