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Fulcrum Tours Travels P Limited; Karachi Division; On-site; PKR 4,464,000 - 5,580,000; Full time

Job summary

Fulcrum Pvt. Limited in the Banking Sector is seeking an accomplished Retail Product Manager to lead the design, pricing, and launch of retail deposit products and customer propositions.

The role requires 12–15 years of banking experience, deep Retail Product Management expertise, and a track record of delivering revenue, growth, and improved customer onboarding. You will leverage RDA knowledge, SBP regulations, and data analytics to inform strategy, lifecycle management, and governance across

Qualifications

• 12-15 years of relevant banking experience.
• Strong expertise in Retail Product Management.
• Knowledge of Roshan Digital Account (RDA) and SBP regulations.
• Experience in product strategy and lifecycle management.
• Leadership, analytical and stakeholder management skills.

Responsibilities

• Develop and execute retail product proposition strategies aligned with the bank’s growth, customer acquisition, revenue, and profitability objectives.
• Manage the complete product lifecycle, including proposition design, business cases, product launches, performance monitoring, enhancements, and rationalization.
• Develop differentiated customer propositions for Current Accounts, Savings Accounts, Term Deposits, and other retail deposit products.
• Analyze customer behavior, portfolio performance, acquisition opportunities, cross-selling potential, customer attrition, and product gaps.
• Drive product innovation through benchmarking, market research, and development of new products, features, bundles, and campaigns.
• Collaborate with Digital Banking and Technology teams to improve digital account opening, customer onboarding, servicing, and self-service capabilities.
• Work with Retail Distribution, Marketing, and Customer Experience teams to develop targeted acquisition campaigns and drive business growth.
• Establish and monitor product performance dashboards and KPIs, including deposits, CASA mix, customer acquisition, profitability, activation, attrition, and campaign effectiveness.
• Ensure product governance and compliance with SBP regulations by coordinating with Compliance, Legal, Risk, and Operations teams.
• Lead product training, sales enablement, and branch-level guidance to ensure effective implementation across the retail banking network.

Skills

Retail Product Management

Product lifecycle management

Stakeholder management

Digital banking

Roshan Digital Account

SBP regulations

Portfolio analytics

Leadership

Education

Bachelor's degree

Job description

Fulcrum Pvt. Limited is hiring for its client in the Banking Sector!

Salary

PKR 400,000–500,000 per month

Education

Bachelor’s degree from an HEC-recognized university/institution

Experience

12–15 years of relevant banking experience

Responsibilities

• Develop and execute retail product proposition strategies aligned with the bank’s business growth, customer acquisition, revenue, and profitability objectives.
• Manage the complete product lifecycle, including proposition design, business cases, product launches, performance monitoring, enhancements, and rationalization.
• Develop differentiated customer propositions for Current Accounts, Savings Accounts, Term Deposits, and other retail deposit products.
• Analyze customer behavior, portfolio performance, acquisition opportunities, cross-selling potential, customer attrition, and product gaps.
• Drive product innovation through competitor benchmarking, market research, and the development of new products, features, bundles, and campaigns.
• Collaborate with Digital Banking and Technology teams to improve digital account opening, customer onboarding, servicing, and self-service capabilities.
• Work with Retail Distribution, Marketing, and Customer Experience teams to develop targeted acquisition campaigns and drive business growth.
• Establish and monitor product performance dashboards and KPIs, including deposits, CASA mix, customer acquisition, profitability, activation, attrition, and campaign effectiveness.
• Ensure product governance and compliance with SBP regulations by coordinating with Compliance, Legal, Risk, and Operations teams.
• Lead product training, sales enablement, and branch-level guidance to ensure effective implementation across the retail banking network.

Qualifications

• 12-15 years of relevant banking experience.
• Strong expertise in Retail Product Management and retail deposit products.
• Good knowledge of Roshan Digital Account (RDA) and SBP regulations.
• Proven experience in product strategy, proposition development, and product lifecycle management.
• Strong leadership, analytical, and stakeholder management skills.
• Experience in digital banking, portfolio analytics, and product performance management.