Payment Cards Product Manager

Job Description

Senior Vice President, Senior Product Owner-Cards.Payments – MBP.Retail Banking Group-MBPKLTD | Mashreq

The Tone:
This is a full-time role at Mashreq, located in Pakistan. Mashreq is a leading financial institution, and this role is situated within its Retail Banking Group, specifically focusing on Cards and Payments for the emerging Pakistan Digital Bank. The Senior Product Owner is crucial for designing and overseeing the complete lifecycle of payment card products, from initial customer interaction through to ongoing engagement and risk management. This position directly contributes to the bank’s strategic growth and innovation in the digital banking landscape.

The TL;DR
• Role: Full Time
• Location: Pakistan
• Team: Retail Banking Group, Cards.Payments
• Mission: Manage the end-to-end lifecycle of payment cards, from customer onboarding to ongoing engagement, ensuring strategic commitments and P&L goals are met.

What You’ll Actually Do
• Own the end-to-end card onboarding, fulfillment, activation, and ongoing engagement journey for customers.
• Develop and launch new, segment-specific card products in collaboration with business owners and external partners for the Pakistan Digital Bank.
• Implement integrated user journeys and identify opportunities to optimize customer experience and operational efficiency across the journey.
• Monitor and analyze customer onboarding, engagement, and spend performance against P&L and strategic commitments, ensuring data quality for analytics and reporting.
• Oversee the management of fraud and operational risk for all card products, engaging with diverse stakeholders including tech partners, vendors, and regulators for continuous innovation.

The Must-Haves
• Background: Degree in IT, Business, or a related field. This is a senior leadership position requiring a strategic mindset and proven capability to drive product innovation within a complex financial environment.
• Experience: Minimum of 4-5 years of experience within the banking or financial industry. Required focus includes payment cards product development, strategy, design, and implementation, demonstrating a strong understanding of the cards ecosystem.
• Skills:
• Payment Card Product Lifecycle Management, including development, design, and implementation expertise.
• Proven capability in managing fraud and operational risk for card products.
• Experience in end-to-end customer journey optimization and efficiency improvements.
• Proficiency in data quality management and analytics for portfolio review and performance assessment.