Product Manager Digital App

Raqami Islamic Digital Bank Ltd.; Karachi Division; On-site; PKR 3,500,000 - 6,000,000; Full time

Job summary

Raqami Bank in Karachi is seeking a Product Manager for the Digital App within Retail Banking. You will own the product roadmap, define user stories, and prioritize features across onboarding, payments, and services to optimize customer journeys.

Collaborate with Design, Technology, Risk, Compliance, and CX to deliver new capabilities and improve engagement. The role requires strong experience in digital banking product management, agile delivery, and KPI-driven decision making, with a focus on

Qualifications

• Experience in leading digital app products within retail banking or fintech.
• Strong understanding of customer journeys, analytics, and KPI tracking.
• Familiarity with regulatory and compliance requirements for digital banking.

Responsibilities

• Own and manage the Retail Digital App product roadmap and backlog.
• Define requirements, user stories, and feature priorities across onboarding, payments, transfers, cards, deposits, and servicing.
• Collaborate with design, tech, risk, compliance, and CX to deliver new capabilities.
• Drive app usability, engagement, and performance analytics.
• Lead UAT, business validations, and release readiness activities.
• Monitor KPIs like active users, engagement, transactions, and app ratings.
• Ensure SBP compliance, data privacy, and Shariah principles.
• Coordinate ecosystem integrations with fintechs and partners.

Skills

Digital Product Management

Mobile Banking Applications

Retail Banking Products

Customer Journey Design

Agile & Scrum Methodologies

Product Roadmap Management

Digital Customer Experience

User Story Development

Business Analysis & Requirements

Product Analytics & KPI Management

UAT & Release Management

Regulatory & Compliance Awareness

Stakeholder Management

Education

Bachelor's degree in Business Administration, Finance, Computer Science, Information Systems, Engineering, or related discipline

MBA or relevant postgraduate qualification

Job description

Job Title: Product Manager Digital App

Department: Retail Banking

Job Overview

To own and manage the Bank's Retail Digital App by driving product strategy, customer experience, feature development, digital engagement, and performance optimization. The role is responsible for ensuring the Retail App delivers a seamless, intuitive, and secure banking experience that drives customer acquisition, activation, engagement, retention, and digital adoption while supporting the Bank's Retail Banking strategy.

Key Responsibilities

• Manage and execute the Retail Digital App product roadmap
• Own customer journeys across onboarding, account management, payments, transfers, cards, deposits, financing, and servicing functionalities
• Define and prioritize product requirements, user stories, and feature enhancements
• Collaborate with Design, Technology, Operations, Risk, Compliance, and Customer Experience teams to deliver new capabilities
• Drive continuous enhancement of app usability, functionality, and customer engagement
• Monitor app performance, adoption rates, customer activity, and transaction trends
• Analyze customer feedback, app reviews, customer behavior, and usage analytics
• Support development of self-service and digital servicing capabilities
• Manage product backlog and support Agile delivery processes
• Lead User Acceptance Testing (UAT), business validations, and implementation readiness activities
• Conduct competitor benchmarking and market research to identify innovation opportunities
• Ensure alignment of app journeys with customer lifecycle and proposition strategies
• Coordinate app releases and product launches with all relevant stakeholders
• Monitor KPIs including active users, engagement levels, transaction volumes, app ratings, and digital conversion rates
• Ensure compliance with SBP regulations, data privacy requirements, and Shariah principles
• Support ecosystem integrations with fintechs, payment providers, and strategic partners
• Prepare product performance reports, dashboards, and management presentations
• Liaise with the Customer Experience (CX) team to monitor customer feedback, identify pain points, and implement improvements across customer journeys and service touchpoints

Experience Required

• Minimum 5–8 years of experience in: Digital Banking, Mobile App Product Management, Retail Banking, Product Management, Fintech, Customer Experience and Digital Transformation
• Experience managing customer-facing digital applications and mobile banking platforms preferred.

Educational Background Required

• Bachelor's degree in Business Administration, Finance, Computer Science, Information Systems, Engineering, or related discipline. MBA or relevant postgraduate qualification preferred.
• Experience in Islamic Banking will be an added advantage.

Skills & Competencies

• Digital Product Management
• Mobile Banking Applications
• Retail Banking Products
• Customer Journey Design
• Agile & Scrum Methodologies
• Product Roadmap Management
• Digital Customer Experience
• User Story Development
• Business Analysis & Requirements Gathering
• Product Analytics & KPI Management
• UAT & Release Management
• Regulatory & Compliance Awareness
• Stakeholder Management

Raqami Bank is an equal opportunity employer. We welcome applications from all qualified individuals, including Persons with Disabilities (PWDs), and are committed to fostering an inclusive workplace where everyone has the opportunity to succeed.

Last date to apply: October 16, 2026.