Head of Product

ACE Money Transfer; Gujrat Division; On-site; PKR 2,000,000 - 3,000,000; Full time

Job summary

A leading fintech company is seeking a Head of Product to design and implement effective product strategies across global financial services. The ideal candidate will have extensive experience in product management, capable of leading teams to innovate in remittance and electronic money sectors. You will drive the product lifecycle, ensuring high-quality user experiences while managing significant P&L responsibilities. This full-time role is critical for scaling operations effectively in a competitive market.

Benefits

Competitive salary

Dynamic work environment

Opportunities for professional development

Qualifications

• 7+ years in product management, with at least 5 years in leadership.
• Experience in fintech, remittances, or EMI preferred.
• Proven capability to launch and scale products effectively.

Responsibilities

• Define and execute the product vision across multiple financial services.
• Lead product development, focusing on user experience improvements.
• Own product growth metrics, including P&L responsibilities.

Skills

Fintech product development

Data analysis and A/B testing

Technical leadership

Customer-centric mindset

Education

Bachelor’s degree in Business or related field

Master’s degree preferred

Job description

Job Title: Head of Product - Global Financial Services
Job Type: Full-time, Permanent
Reporting to: Executive Head
Department: Product

About Us:

We are a dynamic and fast-growing financial technology group headquartered in Manchester, United Kingdom, with an established presence across the UK, Europe, Canada, Australia, Pakistan, and Bangladesh. Our group, encompassing ACE Money Transfer and ACE Union, operates across two regulated verticals: Electronic Money Services (EMI) and Cross-Border Remittances.

Through our digital platforms, including mobile apps, web portals, and APIs, we deliver a comprehensive range of regulated financial services. These include digital payments, e-wallets, electronic money issuance, prepaid cards, mobile top-ups, bill payments, and international money transfers, designed to serve both individual and business customers in over 100 countries. By leveraging cutting-edge technologies such as AI for fraud detection, automation for seamless transactions, and partnerships with global leaders like Mastercard, we provide secure, user-friendly, and accessible financial solutions that adapt to the evolving needs of a global customer base.

As we scale our EMI and remittance operations amid 2025's fintech landscape—marked by real-time payments, embedded finance, blockchain integration, and sustainability initiatives—we are building a leadership team to drive innovation, regulatory compliance, and excellence across our dual-regulated ecosystem.

Role Overview:

As the Head of Product for ACE Money Transfer and ACE Union, you will lead the end-to-end product strategy, ensuring our platforms deliver seamless, scalable, and high-performing financial solutions across remittance and EMI verticals. Your mission is to create products that are 10x better than competitors—focusing on speed, reliability, security, real-time capabilities, and exceptional user experiences in a rapidly evolving market.

You will define, build, and optimize our product ecosystem, including consumer apps, business tools, prepaid cards, mobile wallets, and platform APIs. Collaborating with engineering, design, risk, compliance, analytics, and operations teams, you’ll drive innovation and execution throughout the product lifecycle, incorporating modern trends like AI-driven personalization, blockchain for transparent transfers, and sustainable financial practices.

This role demands deep product orientation, customer obsession, data-driven decision-making, and a robust technical foundation to pioneer world-class fintech products in remittances and electronic money services.


Key Responsibilities:

Define and Execute the Product Vision:

• Develop and execute a multi-year product strategy aligned with 2025 fintech trends, ensuring our offerings remain best-in-class amid growing demand for real-time, low-cost global transfers.
• Build scalable product architectures supporting high transaction volumes across 100+ remittance corridors and EMI services.
• Drive differentiation through technology, automation, data insights, and integrations (e.g., Mastercard Move for cross-border payments) to enhance services like fee-free promotions and instant pay-outs.
• Champion innovative financial technologies, including AI for predictive analytics, blockchain for secure ledgers, and embedded finance for seamless integrations.
• Lead the end-to-end lifecycle of products—spanning e-wallets, payment interfaces, prepaid cards, B2B APIs, remittance flows, mobile top-ups, bill payments, and digital onboarding—ensuring compliance with regulatory, customer, and commercial standards.

Lead Product Development and Innovation:

• Develop and execute go-to-market strategies for launching products in new geographies, with a focus on high-growth remittance corridors and underbanked regions.
• Localize product offerings—UX, pricing, language, and features—based on market research and user behaviour in target regions.
• Identify market entry opportunities by assessing regional competitors, digital payment adoption, and user needs in emerging economies.
• Own the product roadmap: Prioritize features, enhancements, new launches based on user needs, market dynamics (e.g., rising adoption of digital wallets), and business objectives.
• Partner with engineering and design to craft frictionless experiences that boost conversion, retention, and engagement across mobile, web, and API channels.
• Innovate with AI, machine learning, and automation to enhance security, compliance, transaction speed, and personalization.

Scale and Optimize Products:

• Streamline onboarding, KYC, and transaction flows to minimize friction, increase success rates, and support real-time money movements.
• Enhance pricing, risk management, fraud detection, and sustainability features (e.g., eco-friendly transfer options) to balance compliance and efficiency.
• Deliver a unified multi-channel experience, enabling seamless interactions via app, web, API, partners, or in-app features like rewards and cashback.
• Ensure products align with EMI and financial regulations across jurisdictions, collaborating closely with Legal, Compliance, and partners like Mastercard.

Own Product Growth and Performance:

• Take full ownership of product-level P&L, balancing growth, cost efficiency, and long-term profitability.
• Work closely with Finance to set revenue targets, control COGS, and assess ROI of new features, pricing strategies, and partnerintegrations.
• Define and monitor key metrics (e.g., conversion rates, churn, transaction speed, cost-per-transfer, user acquisition via promotions like fee-free transfers to India).
• Partner with marketing, data science, and analytics for data-informed decisions, A/B testing, and improving customer lifetime value.
• Experiment with pricing models, incentives, loyalty programs, and features like scheduled payments to accelerate adoption and growth.

Lead and Scale the Product Team:

• Hire, mentor, and develop a world-class team of product managers, UX designers, data analysts, and specialists.
• Implement best-in-class practices, including agile methodologies, rapid iteration, user feedback loops, and cross-functional collaboration.
• Cultivate a culture of innovation, accountability, customer obsession, and adaptability in a fast-paced, global environment.

Requirements:

You’re an ideal fit if you

• Have built fintech products at scale, serving millions of users or handling high-volume transactions in remittances or EMI.
• Possess deep expertise in money movement, payments, electronic money, or related financial products—knowledge of payment rails, FX, compliance, fraud prevention, and integrations like Mastercard is essential.
• Are highly data-driven, with a habit of analysing user behavior, running A/B tests, and optimizing based on KPIs.
• Excel as a technical product leader, collaborating with engineers to architect scalable systems incorporating AI, blockchain, and real-time tech.
• Have a proven track record of launching, iterating, and scaling complex products from ideation to maturity.
• Have led and grown high-performing teams (5–20+ members) in product management and related roles.
• Think in first-principles, challenge norms, and ask, “How can we make this 10x better?”—especially in ambiguous, high-growth settings.
• Thrive in fast-moving environments, making decisions with incomplete data and iterating swiftly.

Experience:

• 7+ years in product management, with at least 5 years in leadership, ideally in fintech, remittances, EMI, or financial services with a focus on mobile apps and digital platforms.
• Demonstrated success managing app-based, cross-functional teams in global, dynamic settings, including partnerships and regulatory navigation.

Education:

• Bachelor’s degree in business, Computer Science, Finance, or a related field (Master’s preferred).
• Certifications in product management (e.g., Certified Scrum Product Owner), UX/UI, fintech, or agile methodologies are advantageous.

ACE Money Transfer Profile:https://acemoneytransfer.com/company-profile