Senior Manager - Digital Product Expert (Mashreq Global Network Pakistan)

Mashreq Careers; Pakistan; On-site; PKR 3,000,000 - 4,200,000; Full time

Job summary

Mashreq is seeking a Digital Product Expert to lead end-to-end Card product and service development, ensuring an optimal customer journey across global operations. You will harmonize processes, drive sprint events, and coordinate with IT to translate strategy into working software.

The role requires deep knowledge of cards/consumer finance, strong requirements gathering, and proven leadership, with a focus on cost-effective delivery and market relevance.

Qualifications

• Minimum of 5 years of Cards/Consumer Finance banking experience.
• Minimum of 5 years gathering requirements and translating into user requirements.
• Strong knowledge of the software development lifecycle.
• Experience in Agile methodologies.
• Excellent communication and presentation skills with senior leaders.
• Ability to think strategically and tactically.

Responsibilities

• Develops, manages, harmonizes and phases out customer processes for products and services.
• Designs strategy around products, channels, pricing, and journey optimization.
• Directs implementation of strategy and tracks squad progress.
• Prioritizes backlog in line with strategy and customer interests.
• Translates business solutions into working software with IT teams.

Skills

Cards/Consumer Finance banking

Requirements gathering

Software development lifecycle

Agile methodologies

Communication & presentation

Education

Engineering/Tech/UX background

Job description

Job Purpose

Digital Product Expert has end-to-end responsibility for the development, management and harmonization Card products, services, channel formulae and processes within one or more segments and is familiar with the relationship between these aspects, with a view to achieving an optimum customer experience.

This encompasses a broad spectrum, ranging from products, channels or the overall market with end-to-end responsibility for the digital squad's activities and works together with other experts to achieve the squad's mission. Has expertise in the areas of product management, channel, marketing and process optimization. Can fulfil/stand-in for the role of a Product Owner within a squad.

Key Result Areas

• Applies profound Card product/ service knowledge todevelop and maintain an attractive and compliantvalue proposition and delivery excellence for clients across the global locations of operations for the bank

• Develops, manages, harmonizes and phasesout the customer processes of products andservices, as well as everyday customer sales.

• Deals with the most urgent incidents andimprovement needs.

• Proposes and implements structuralimprovements to work processes, followingimprovement needs flagged up from within thetouch point.

• Uses his/her technical expertise and experienceto contribute to all sprint events (planning,refinements, retrospectives, demos)

• Keeps track of and analyses market andcompetition developments (around costprice, market price, market share, legislation andregulations, technological developments,distribution methods and other areas).

• Designs strategy around products,channels, promotion, pricing, and product andprocess quality, in keeping withMASHREQ's brand policyand with customer interests as the starting pointfor their ideal customer journey.

• Translates thestrategy into practical policy. Formulates theproduct, process and channel policy in keepingwith (a) assortment policy (b) IT landscape/architecture (c) internal and external legislation and regulations process principlesaiming at maximumcustomer satisfactionandefficiency and the lowest possible cost price.

• Directs implementation of this strategy, tracks squad progress and adjusts wherever necessary in his or her role as a product owner.

• Prioritizesthe backlog regarding strategy, customer interests and feasibility in his or her role as product owner and in consultation with theDigital Studio

• Monitors the planning, budget and requirements and completes backlog items during squad sprints.

• Weighs up the implications of margins, volumes and marketsharesand sets targets,always keeping customer interests a priority.

• Design, maps and improves the performance of Customer Journeys through identifying andcollecting available CX and data, and translatingUX and IT-landscapes.

• Applies marketing and communication practices to develop and maintain an optimal(digital) mix for channel and/or segments performance

• Has up-to-date knowledge of the business domain and the underlying applicationarchitecture, relevant IT landscape andKnowledgeable on IT opportunities tosupport business goals. And is able totranslatebusiness solutions into working software bycollaborating with IT engineers.

• Provides product information to internal and external parties (such as the press and PR,interbank consultations, internal and externalsuppliers, consumer and interest groups, industryregulators and the government).

Knowledge, Skills and Experience

• Minimum of 5 years of Cards/Consumer Finance banking experience, other related project work experience, or demonstration of high level of understanding of the banking industry

• Minimum of 5 years of experience gathering requirements and translating into user requirements, data engineering, data science, or software engineering experience

• Background in engineering, technology, or UX preferred

• Strong knowledge of software development lifecycle

• Experience in Agile methodologies

• Strong negotiation and leadership skills

• Excellent communication and presentation skills with a high degree of comfort in speaking with senior leaders

• Demonstrated ability to think both strategically and tactically

• Brings a high-energy and passionate outlook to the job and can influence those around them