Digital Product Expert – Card Products

Job Description

Senior Manager – Digital Product Expert, CCPL & Payments, Retail Banking Group | Mashreq

The Tone:
This is a full-time role at Mashreq, located in Pakistan. Mashreq’s Retail Banking Group focuses on developing and optimizing digital products and services, particularly within Card products and Payments. This role is crucial for leading the end-to-end development, management, and harmonization of digital card products and customer experiences, driving strategic initiatives, and ensuring delivery excellence in a competitive banking landscape.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: In-person, Pakistan

• Team: Digital Squad
• Mission: Develop and optimize digital card products and services to achieve an optimal customer experience and drive strategic growth for the Retail Banking Group.

What You’ll Actually Do
• Develop Value Propositions: Apply profound Card product and service knowledge to create and maintain attractive, compliant value propositions and delivery excellence for clients across the bank’s operational locations.
• Design and Optimize Customer Journeys: Develop, manage, harmonize, and phase out customer processes for products and services, including everyday customer sales, and improve customer journey performance by leveraging CX data, UX, and IT landscapes.
• Lead Product Strategy and Backlog: Direct the implementation of product strategy, track squad progress, prioritize the backlog based on strategy, customer interests, and feasibility, and monitor planning, budget, and requirements during squad sprints.
• Analyze Market and Competition: Keep track of and analyze market and competition developments, including cost price, market share, legislation, technology, and distribution methods, to design effective strategies for products, channels, promotion, and pricing.
• Translate Business to IT: Utilize up-to-date knowledge of the business domain, underlying application architecture, and IT landscape to translate business solutions into working software through collaboration with IT engineers.

The Must-Haves
• Background: Senior professional with deep domain knowledge in Cards/Consumer Finance banking or related project work.
• Experience: 5+ years translating requirements into user specifications, coupled with experience in data engineering, data science, or software engineering, and strong knowledge of the software development lifecycle and Agile methodologies.
• Skills: Strong negotiation and leadership skills, excellent communication and presentation abilities, demonstrated capacity for strategic and tactical thinking, and expertise in product management, channel, marketing, and process optimization.
• Bonus: A background in engineering, technology, or UX is preferred.