Auto Finance Product Manager – Shariah & Digital Enablement

Raqami Islamic Digital Bank Ltd.

Karachi Division

On-site

PKR 2,000,000 - 5,500,000

Full time

6 days ago

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Benefits offered by this job

Equal opportunity employer

Job summary

Raqami Islamic Digital Bank Ltd. seeks a seasoned Product Manager Auto Finance to lead the development, management, growth, and optimization of the Auto Finance portfolio with customer-centric, Shariah-compliant solutions.

You will drive strategy, pricing, and profitability while coordinating with Retail Banking and technology teams. You will collaborate with dealer networks, credit risk, and CRM partners to digitize processes, optimize customer journeys, and ensure regulatory compliance to

Qualifications

Bachelor's degree in Business Administration, Finance, Banking, Economics, Accounting, or related discipline. MBA or relevant postgraduate qualification preferred.
Experience in Islamic Banking will be an added advantage.

Responsibilities

Develop and execute the Auto Finance product strategy aligned with Retail Banking objectives.
Manage the complete lifecycle of Auto Finance products and propositions.
Design and enhance Shariah-compliant vehicle financing solutions.
Drive financing disbursement volumes, utilization, and profitability targets.
Define product features, pricing structures, eligibility criteria, and customer benefits.
Develop and optimize customer journeys across origination, approval, disbursement, and servicing.
Work closely with Auto Finance Relationship Managers to drive dealer-led business generation.
Establish and manage relationships with vehicle dealerships and automotive ecosystem partners.
Support development of dealer financing programs and strategic partnerships.
Collaborate with Technology teams to digitize and automate financing processes.
Monitor portfolio performance, yields, utilization, and profitability metrics.
Conduct market research and competitor benchmarking to identify growth opportunities.
Partner with Credit Risk teams on underwriting criteria, scorecards, and product programs.
Support development of employer-linked and payroll-based financing programs.
Lead User Acceptance Testing (UAT), implementation planning, and product releases.
Monitor customer feedback and financing performance analytics to identify enhancements.
Prepare portfolio reviews, management dashboards, and business presentations.
Ensure compliance with SBP regulations, internal policies, and Shariah principles.