Head of Deposits, Wealth & Segments

Raqami Islamic Digital Bank Ltd.; Karachi Division; In loco; PKR 15.000.000 - 22.000.000; Tempo pieno

Descrizione del lavoro

Raqami Islamic Digital Bank Ltd. invites a seasoned banking leader to head Deposits, Wealth & Segments within Retail Banking.

You will define and execute Shariah-compliant strategies to grow deposits, expand wealth products, and tailor offerings for priority segments while ensuring strong governance. The role requires 15+ years in retail banking with leadership experience, a degree in business/finance, and a track record of deposit growth and product development.

Competenze

• Bachelor’s degree in Business Administration, Finance, Economics, Marketing, Banking, or a related discipline.
• MBA, Master’s degree, or relevant professional qualification preferred.

Mansioni

• Define and execute the deposits, wealth, and segment strategy, annual business plan, operating model, and multi-year growth roadmap.
• Own deposit portfolio growth, portfolio mix, stability, and funding economics.
• Lead the design and lifecycle management of Shariah-compliant deposit products and propositions.
• Develop wealth and investment propositions, including Takaful, mutual funds, and investment products.
• Define and execute preferred segment strategies for freelancers, gig workers, women, youth, students, and other priority customer segments.
• Lead remittance and Non-Resident Pakistani (NRP) banking propositions and partnerships.
• Collaborate with Digital, Payments, Loyalty, CX, Technology, and Business Banking teams to optimize customer journeys and cross-franchise opportunities.
• Own budgets, forecasts, pricing recommendations, executive reporting, and performance dashboards.
• Ensure compliance with SBP regulations, AML/CFT requirements, customer fairness standards, and Shariah governance.

Conoscenze

Deposits Portfolio Strategy

Wealth & Investment Proposition Dev

Customer Segment Management

Product Strategy & Lifecycle

Regulatory & Shariah Governance

Remittance & NRP Banking

Forecasting & Performance Reporting

Formazione

Bachelor’s degree in Business Administration, Finance, Economics, Marketing, Banking, or related

MBA or Master’s degree preferred

Descrizione del lavoro

Job Title: Head of Deposits, Wealth & Segments

Department: Retail Banking

Job Overview

We are seeking an accomplished banking leader to drive the Bank’s Deposits, Wealth & Segments franchise. The role is responsible for developing and executing a Shariah-compliant strategy that delivers sustainable deposit growth, expands wealth and investment propositions, and builds differentiated offerings for priority customer segments while ensuring strong governance and regulatory compliance.

Key Responsibilities

• Define and execute the deposits, wealth, and segment strategy, annual business plan, operating model, and multi-year growth roadmap.
• Own deposit portfolio growth, portfolio mix, stability, and funding economics.
• Lead the design and lifecycle management of Shariah-compliant deposit products and propositions.
• Develop wealth and investment propositions, including Takaful, mutual funds, and investment products.
• Define and execute preferred segment strategies for freelancers, gig workers, women, youth, students, and other priority customer segments.
• Lead remittance and Non-Resident Pakistani (NRP) banking propositions and partnerships.
• Collaborate with Digital, Payments, Loyalty, CX, Technology, and Business Banking teams to optimize customer journeys and cross-franchise opportunities.
• Own budgets, forecasts, pricing recommendations, executive reporting, and performance dashboards.
• Ensure compliance with SBP regulations, AML/CFT requirements, customer fairness standards, and Shariah governance.

Experience Required

• Minimum 15 years of progressive experience in retail banking, deposits, wealth management, customer segments, remittances, or related financial services.
• At least 7 years in senior leadership roles with accountability for business strategy, deposit growth, budgets, products, and teams.
• Proven success in building deposit franchises, managing funding economics, and driving customer value growth.

Educational Background Required

• Bachelor’s degree in Business Administration, Finance, Economics, Marketing, Banking, or a related discipline.
• MBA, Master’s degree, or relevant professional qualification preferred.

Skills & Competencies

• Deposits Portfolio & Funding Strategy
• Wealth & Investment Proposition Development
• Customer Segment Management
• Product Strategy, Pricing & Lifecycle Management
• Customer Analytics & Value Management
• Remittances & NRP Banking
• Business Planning, Forecasting & Performance Reporting
• Partnership Management
• Regulatory, Conduct & Shariah Governance

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 26, 2026.