Islamic Credit Card Product Manager

Raqami Islamic Digital Bank Ltd.

Karachi Division

On-site

PKR 2,000,000 - 4,000,000

Full time

3 days ago

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Job summary

Raqami Islamic Digital Bank Ltd. seeks a Manager/Assistant Manager – Credit Card to lead the development and daily management of the Bank’s Islamic Credit Card, ensuring Shariah compliance and SBP regulatory adherence.

You will drive product docs, digital journeys, and MIS reporting while coordinating with Risk, Operations, and Marketing teams. Your role involves supervising product variants, verifying profit/fees, UAT execution, and cross-functional collaboration to ensure successful card

Qualifications

3–5 years of experience in cards, consumer financing, card operations or product management in an Islamic or commercial bank.
Exposure to credit card products and card implementation initiatives preferred.

Responsibilities

Assist in developing and enhancing Shariah-compliant credit card variants, features and reward programs.
Support preparation and upkeep of product documents, including PPG, KFS, BRDs, FAQs, and terms and conditions.
Support design of digital journeys, including in-app application, instant issuance, card controls, tokenization (Google Pay / Apple Pay), statements and auto-debit repayment.
Ensure profit, fee, minimum payment and charity calculations follow the approved PPG and Shariah structure, and validate system parameters during UAT.
Coordinate UAT and go-live of credit card features and enhancements with Technology and the card processor.
Monitor local and cross-border settlements, fee and profit postings, reversals and GL reconciliation exceptions with Operations and Finance.
Coordinate resolution of card disputes, chargebacks, merchant issues and customer escalations with Operations and Customer Experience.
Coordinate with Credit Risk and Collections on credit criteria, limit management and dunning activities.
Ensure compliance with SBP regulations and Shariah Board guidelines, support Compliance, Shariah and audit reviews, and close observations.
Track and report credit card MIS, covering applications, approvals, activation, spend, utilization, delinquency and income, and support campaigns with Marketing.