Senior Retail Banking Product Manager - Deposits & Digital

Fulcrum Tours Travels P Limited; Karachi Division; In loco; PKR 4.464.000 - 5.580.000; Tempo pieno

Descrizione del lavoro

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

Competenze

• 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.

Mansioni

• 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.

Conoscenze

Retail Product Management

Product lifecycle management

Stakeholder management

Digital banking

Roshan Digital Account

SBP regulations

Portfolio analytics

Leadership

Formazione

Bachelor's degree

Descrizione del lavoro

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