Manager – Digital Lending & Product Development _Banking

leading-edge; Karachi Division; Hybrid; PKR 4,000,000 - 7,000,000; Full time

Job summary

leading-edge in Karachi seeks a Manager to lead digital lending and product development within the banking sector. You will own the product lifecycle, coordinate with compliance and the Shariah Board, and drive embedded finance initiatives while ensuring regulatory alignment.

The role requires 10+ years in digital lending and product management, with strong knowledge of both conventional and Islamic banking products and SBP/KYC/AML practices. Onsite/remote work options in Karachi.

Qualifications

• Experience leading digital lending and product management in banking, with exposure to embedded finance.
• Understanding of Shariah-compliant product structures and governance boards.
• Familiarity with SBP regulatory environment and KYC/AML controls.

Responsibilities

• Oversee end-to-end product lifecycle for digital lending and investment products from origination to settlement.
• Coordinate with business, technology, compliance and Shariah Board for approvals and integrations.
• Translate requirements into BRDs, FSDs, and product manuals for clear governance.
• Design digital onboarding workflows and operations for lending platforms.
• Lead UAT and deployment of digital financing journeys across platforms.
• Derive data-driven insights to improve product performance and UX.
• Engage regulators and external partners to ensure governance and compliance.
• Identify market gaps; drive research to inform strategy and roadmap.
• Present vision and progress updates to senior management and stakeholders.

Skills

Digital lending

Product management

Islamic financing

Shariah compliance

KYC/AML

SBP regulations

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.