Assistant Manager Product Consumer Financing

Raqami Islamic Digital Bank Ltd.; Karachi Division; On-site; PKR 2,500,000 - 4,000,000; Full time

Job summary

Raqami Islamic Digital Bank Ltd. in Karachi seeks an Assistant Manager to own the development and management of the bank’s consumer financing portfolio, including Personal Finance, Auto Finance, Home Finance, BNPL, and employer-program financing solutions. You will help with product development and digital journeys.

The role emphasizes UAT, governance, performance monitoring, and customer-centric financing aligned with Shariah principles and regulatory requirements.

Qualifications

• Experience with consumer financing products and retail banking.
• Ability to document requirements and translate business needs into specs.
• Understanding of Shariah-compliant financing principles.
• Exposure to digital financing initiatives and fintech environments.

Responsibilities

• Support management of consumer financing products throughout lifecycle.
• Gather and analyze business requirements and write BRDs/user stories.
• Collaborate on customer journeys across Personal/Auto/Home/BNPL products.
• Coordinate product implementations with Technology, Risk, Compliance, and Shariah teams.
• Participate in Agile ceremonies and support UAT and release activities.
• Monitor performance, volumes, adoption, and market opportunities.
• Prepare dashboards and management presentations; ensure regulatory compliance.

Skills

Consumer Financing Products

Product Lifecycle Management

Business Analysis

Customer Journey Mapping

Agile Scrum

UAT Planning

Product Analytics

Regulatory Awareness

Stakeholder Management

Education

Bachelor's degree in Business Administration/Finance/Banking/Economics/Accounting/IS/Engineering

Tools

Jira

Confluence

Power BI

MS Excel

Job description

Job Title: Assistant Manager Product Consumer Financing

Department: Retail Banking

Job Overview

To support the development, enhancement, and management of the Bank’s Consumer Financing portfolio, including Personal Finance, Auto Finance, Home Finance, Buy Now Pay Later (BNPL), and employer-program financing solutions. The role is responsible for assisting in product development, digital journey optimization, business analysis, UAT, product governance, performance monitoring, and implementation of customer-centric financing solutions aligned with the Bank's retail banking strategy, Shariah principles, and regulatory requirements.

Key Responsibilities

• Support management of consumer financing products throughout their lifecycle
• Gather, document, and analyze business and customer requirements
• Prepare business requirement documents, user stories, process maps, and functional specifications
• Support enhancement of customer journeys across Personal Finance, Auto Finance, Home Finance, and BNPL products
• Assist in coordinating product implementations with Technology, Operations, Risk, Compliance, and Shariah teams
• Participate in Agile ceremonies, sprint planning, backlog grooming, and release activities
• Support User Acceptance Testing (UAT), business validations, and implementation readiness activities
• Monitor product performance, financing volumes, customer adoption, and utilization trends
• Conduct market research and competitor analysis to identify product opportunities
• Support development of employer-based financing programs and digital financing initiatives
• Assist in preparing product performance reports, dashboards, and management presentations
• Coordinate approvals required from Risk, Compliance, Legal, Operations, and Shariah teams
• Support development of product policies, procedures, and product programs
• Analyze customer feedback and financing performance to identify improvement opportunities
• Ensure products comply with SBP regulations, internal policies, and Shariah principles
• Support product launches, communication plans, and stakeholder engagement activities

Experience Required

• Minimum 3–5 years of experience in: Consumer Finance, Product Management, Business Analysis, Retail Banking, Digital Financing, Fintech and Consumer Banking Operations
• Experience in Islamic Banking and digital financing environments will be an added advantage.

Educational Background Required

• Bachelor’s degree in Business Administration, Finance, Banking, Economics, Accounting, Information Systems, Engineering, or related discipline. Master’s degree preferred.

Skills & Competencies

• Consumer Financing Products
• Product Lifecycle Management
• Business Analysis & Requirements Gathering
• Customer Journey Mapping
• Digital Financing Concepts
• Agile & Scrum Methodologies
• UAT Planning & Execution
• Product Analytics & Reporting
• Process Documentation
• Regulatory & Compliance Awareness
• Stakeholder Management
• MS Excel, Power BI, Jira, and Confluence

Raqami Bank is an equal opportunity employer. We welcome applications from all qualified individuals, including Persons with Disabilities (PWDs), and are committed to fostering an inclusive workplace where everyone has the opportunity to succeed.

Last date to apply: October 16, 2026.