Assistant Manager Product - Consumer Financing

The Assistant Manager Product - Consumer Financing will play a vital role in supporting the development, enhancement, and management of the Bank’s Consumer Financing portfolio. This includes products such as Personal Finance, Auto Finance, Home Finance, Buy Now Pay Later (BNPL), and employer-program financing solutions. The position involves assisting with product development, optimizing digital customer journeys, conducting business analysis, supporting User Acceptance Testing (UAT), ensuring product governance, monitoring performance, and implementing customer-centric financing solutions. All activities must align with the Bank’s retail banking strategy, Shariah principles, and regulatory requirements.

Key Responsibilities

- Support the management of consumer financing products throughout their lifecycle.
- Gather, document, and analyze business and customer requirements to inform product enhancements.
- Prepare detailed business requirement documents, user stories, process maps, and functional specifications.
- Assist in enhancing customer journeys across various financing products including Personal Finance, Auto Finance, Home Finance, and BNPL.
- Coordinate product implementations with cross-functional teams such as Technology, Operations, Risk, Compliance, and Shariah.
- Participate actively in Agile ceremonies, including sprint planning, backlog grooming, and release activities.
- Support User Acceptance Testing (UAT), business validations, and ensure readiness for product implementation.
- Monitor product performance metrics, financing volumes, customer adoption rates, and utilization trends.
- Conduct market research and competitor analysis to identify new product opportunities and improvements.
- Support the development of employer-based financing programs and digital financing initiatives.
- Assist in preparing product performance reports, dashboards, and presentations for management.
- Coordinate necessary approvals from Risk, Compliance, Legal, Operations, and Shariah teams.
- Support the development and maintenance of product policies, procedures, and program documentation.
- Analyze customer feedback and financing performance data to identify areas for improvement.
- Ensure all products comply with State Bank of Pakistan (SBP) regulations, internal policies, and Shariah principles.
- Support product launches, communication plans, and stakeholder engagement activities.

Required Qualifications

- A minimum of 3 to 5 years of relevant experience in Consumer Finance, Product Management, Business Analysis, Retail Banking, Digital Financing, Fintech, or Consumer Banking Operations.
- Bachelor’s degree in Business Administration, Finance, Banking, Economics, Accounting, Information Systems, Engineering, or a related discipline.

Preferred Qualifications and Additional Information

- Experience in Islamic Banking and digital financing environments is considered an advantage.
- A Master’s degree is preferred but not mandatory.
- Proficiency in consumer financing products, product lifecycle management, business analysis, and customer journey mapping is essential.
- Familiarity with digital financing concepts, Agile and Scrum methodologies, UAT planning and execution, and product analytics is required.
- Strong skills in process documentation, regulatory and compliance awareness, and stakeholder management are necessary.
- Technical proficiency with MS Excel, Power BI, Jira, and Confluence is highly desirable.

Raqami Bank is committed to equal opportunity employment and encourages applications from all qualified candidates, including Persons with Disabilities (PWDs). The Bank fosters an inclusive workplace where every individual has the opportunity to thrive.

Applications for this position will be accepted until October 16, 2026.