Manager – Digital Lending & Product Development _Banking

Leading Edge; Karachi Division; On-site; PKR 1,674,000 - 2,232,000; Full time

Job summary

A prominent banking institution in Karachi is seeking a Manager for Digital Lending and Product Development. The ideal candidate will have over 10 years of experience in digital lending and product management within the banking sector and strong knowledge of Shariah-compliant structures. Responsibilities include leading product lifecycle, liaising with various stakeholders, and ensuring compliance with regulations. This role offers a competitive salary and requires onsite availability in Karachi.

Qualifications

• 10+ years in digital lending and product management within the banking sector in Pakistan.
• Strong knowledge of conventional and Islamic banking products including embedded finance and Sukuks.
• Experience with Shariah-compliant structures and working with Shariah Boards.

Responsibilities

• Lead the end-to-end product lifecycle for digital lending and investment products.
• Act as the key liaison between stakeholders for product approvals and system integrations.
• Translate business requirements into structured product documentation.

Skills

Digital lending experience

Product management

Shariah-compliant structures

Investment products

Agile delivery

Education

CFA Charter

MBA in Finance

Job description

Manager – Digital Lending & Product Development

Location: Karachi, Pakistan (Onsite/remote)

Contract Type: Full-Time Permanent

Role Overview

Our Client is an established banking institution based in Karachi seeking an experienced and execution-focused Manager to lead digital lending and product development initiatives. The ideal candidate will bring a strong background in investment and lending product management, embedded finance, and Shariah‑compliant structures within the Pakistani banking landscape.

Key Responsibilities

• Lead the end-to-end product lifecycle for digital lending and investment products from origination through to settlement, reconciliation, and compliance.
• Act as the key liaison between business, technology, compliance, and Shariah Board for product approvals, system integrations, and platform enhancements.
• Translate business requirements into structured product documentation including BRDs, FSDs, and Product Manuals.
• Design and oversee digital onboarding workflows and operational processes for lending and embedded finance platforms.
• Conduct UATs and manage deployment of digital financing user journeys across banking and third‑party applications.
• Drive data‑driven insights to continuously improve product performance and user experience.
• Engage with regulators, Shariah advisors, and external partners to ensure full compliance and governance.
• Identify market gaps and opportunities; lead competitor and industry research to inform product strategy.
• Communicate product vision, performance updates, and strategic recommendations to senior management and stakeholders.

Required Experience & Skills

• 10+ years in digital lending and product management within the banking sector in Pakistan.
• Strong knowledge of conventional and Islamic banking products including embedded finance and Sukuks.
• Experience with Shariah‑compliant structures and working with Shariah Boards.
• Familiarity with SBP regulations, KYC, AML, and Agile delivery.
• CFA Charter or MBA in Finance preferred.
• Must be Karachi-based and available to work onsite.