Job Summary:
- The Head of Product & Research is responsible for the strategic planning, development & management of bank products, ensuring alignment with business goals & market trends. This role oversees product innovation, research, pricing, budgeting governance & compliance while driving customers-centric product strategies. Additionally, the role involves monitoring product performance, ensuring regulatory adherence, & leveraging administrative tools for effective product governance.
Responsibilities:
- Strategic product development, Sustainability & innovation:
- Develop & implement a comprehensive product strategy aligned with the bank current & future business goals.
- Lead the research & development of new banking products ensuring innovation, market segmentation, retail-corporate product strategies & customer relevance.
- Identify & lead new market development campaigns in specialized SME’s products, low cost deposit, BANCA & develop roadmaps for implementation of digital solutions.
- Drive digital transformation by integrating fintech solutions & emerging technologies.
- Develop and lead regional product strategy. Design & implement product roadmap tailored to different regions based on economic, cultural & demographic factors.
- Market intelligence and data-driven insights to identify high potential regions for new product launch and branch expansion.
- Establish a sustainable framework & product strategy for green finance, climate resilience integrating ESG principles & innovative insurance into product development.
- Product Research & Market Intelligence:
- Lead & conduct in-depth market research & data analytics to optimize product performance & customer experience.
- Establish a framework for product testing, product lab for continuous innovation & improved product life cycle.
- Provide and enabling environment for Corporate, retail and value chain solutions with renewable energy firms, green technology providers & environmental agencies to promote sustainable financing and business growth.
- Pricing, Budgeting & Financial Performance:
- Lead in developing the best product positioning through pricing strategies that balance profitability & competitiveness.
- Oversee all products revenue forecasting, cost management & budget allocation.
- Monitor key performance metrics (Revenue, cost of fund, product profitability) to ensure sustainability.
- Product Monitoring & Performance Management:
- Define & track key performance indicators (KPI’s) for all bank products.
- Implement real time product monitoring dashboards & analytical tools.
- Conduct periodic product reviews & implement necessary enhancement based on performance data.
- Ensure collaboration with sales, marketing, finance & IT teams for seamless product execution.
- Compliance & Risk Management:
- Ensure all products adhere to regulatory guidelines, internal polices & risk framework.
- Lead the collaboration with internal & external stakeholders & regulator in mitigating the potential product related risks.
- Administration & Governance:
- Establish governance mechanism to ensure transparency in product processes, approvals & lifecycle management.
- Drive automation and process improvements to enhance product delivery & operational efficiency.
- Standardize product documentation, processes & reporting mechanism.
- Assist CBO in board and management level matters related to product unit.
Eligibility / Qualification Required:
- Experience:
- Over 10 years of experience in product development and management.
- At least 3 years in a managerial role.
- Strong expertise in retail, digital, and commercial banking products.
- Educational Background:
- Master’s degree in Business Administration, Finance, Marketing, Banking, or a related field (preferred).
- Certification in Product Management, FinTech, ESG, or Digital Banking (preferred).
- Technical Proficiency:
- Expertise in product development and management within the banking sector.
- Strong analytical skills for data-driven decision-making.
- Knowledge of digital banking and fintech innovations.
- Experience in change management and transformation initiatives.
- Strategic planning and execution capabilities.
- Soft Skills:
- Visionary thinking with a forward-looking approach.
- Strong stakeholder management skills.
- Effective leadership and team management.
- Ability to work under pressure and adapt to changing environments.
- Willingness and readiness for mobility.
Job Details:
- Department: Business Banking
- Job Type: Permanent
- Grade: SVP
- Positions: 1
- Locations: Islamabad
- Application Deadline: Jul 08, 2026
How to Apply:
Register or sign in to the Mobilink Microfinance Bank careers portal, select the preferred location when offered, complete the application form, and submit it before the deadline.
Apply online for this position