Unit Head – Business Governance & Controls

Raqami Islamic Digital Bank Ltd.; Karachi Division; Vor Ort; PKR 6.000.000 - 12.000.000; Vollzeit

Zusammenfassung

Raqami Islamic Digital Bank Ltd. is seeking an experienced Unit Head to lead the Business Governance & Controls function within Retail Banking. You will establish governance frameworks, oversee product governance, and ensure regulatory compliance across Retail Banking lines.

The role requires strong leadership, cross-functional collaboration with Compliance, Internal Audit, Legal, and Shariah teams, and the ability to drive automation and performance reporting.

Qualifikationen

• 10-12 years in banking with governance, risk, compliance, audit, and analytics.
• 4-5 years in a leadership role within Governance, Controls, Risk, Audit, Compliance, or Business Management.
• Experience in Digital Banking and Islamic Banking environments would be advantageous.

Aufgaben

• Develop and maintain Retail Banking governance and control frameworks.
• Lead product governance processes across Retail Banking business lines.
• Monitor governance decisions, audit observations, and management directives.
• Coordinate with Compliance, Operational Risk, Internal Audit, Legal, and Shariah teams on governance matters.
• Drive governance automation, reporting enhancements, and process improvement initiatives.
• Ensure compliance with SBP regulations and Consumer Protection Framework requirements.

Jobbeschreibung

Job Title: Unit Head - Business Governance & Controls

Department: Retail Banking

Job Overview

We are seeking an experienced governance and controls leader to head the Business Governance & Controls function within Retail Banking. The role is responsible for establishing robust governance frameworks, product governance standards, business controls, performance oversight mechanisms, and regulatory compliance processes across all Retail Banking business lines. The successful candidate will serve as the governance custodian for Retail Banking, ensuring that products, processes, initiatives, and business activities operate within approved regulatory, risk, compliance, and governance frameworks.

Key Responsibilities

• Develop and maintain Retail Banking governance and control frameworks.
• Establish oversight mechanisms to ensure compliance with approved policies, procedures, and governance standards.
• Lead product governance processes across all Retail Banking business lines.
• Monitor implementation of governance decisions, action plans, audit observations, and management directives.
• Establish and maintain governance forums, reporting structures, and management oversight processes.
• Develop governance dashboards, scorecards, risk indicators, and management reporting frameworks.
• Provide oversight on business control effectiveness and adherence to approved operating procedures.
• Coordinate with Compliance, Operational Risk, Internal Audit, Legal, and Shariah Compliance teams on governance matters.
• Monitor regulatory developments and ensure required governance controls are implemented across Retail Banking.
• Support review and approval of new products, product enhancements, and strategic initiatives from a governance perspective.
• Ensure timely submission of governance, performance, and regulatory reports to management forums.
• Lead business control assessments and governance reviews across product lines and distribution channels.
• Oversee business performance reporting and analytics in collaboration with Retail Banking leadership.
• Monitor customer complaints, conduct observations, and governance‑related issues impacting Retail Banking.
• Liaise with Customer Experience (CX) teams to identify customer pain points and implement improvements across customer journeys and service touchpoints.
• Coordinate audit reviews, regulatory inspections, and governance assessments relating to Retail Banking.
• Drive governance automation, reporting enhancements, and process improvement initiatives.
• Ensure compliance with SBP regulations, Consumer Protection Framework requirements, internal policies, and Shariah principles.
• Lead, mentor, and develop governance and analytics teams.

Experience Required

• Minimum 10-12 years of banking experience with significant exposure to Business Governance, Product Governance, Retail Banking, Internal Controls, Risk Management, Compliance, Audit, Regulatory Management, and Business Analytics.
• Minimum 4-5 years in a leadership or management role within Governance, Controls, Risk, Audit, Compliance, or Business Management functions.
• Experience in Digital Banking and Islamic Banking environments will be an added advantage.

Educational Background Required

• Bachelor’s degree in Business Administration, Finance, Banking, Accounting, Economics, Risk Management, or a related discipline.
• MBA, ACCA, CA, CFA, FRM, CIA, or equivalent professional qualification preferred.

Skills & Competencies

• Business Governance & Controls
• Product Governance
• Risk & Control Frameworks
• Regulatory Compliance
• Retail Banking Operations
• Business Analytics & Reporting
• Audit & Regulatory Management
• Policy Review & Governance
• Performance Management
• MIS & Dashboard Development
• Stakeholder Management
• Leadership & Team Development

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: November 6, 2026