Product Manager – Personal Finance & BNPL

Raqami Islamic Digital Bank is looking for a motivated and customer-centric Product Manager to lead the Personal Finance and Buy Now Pay Later (BNPL) product portfolio. This role focuses on driving product strategy, enhancing digital financing journeys, and achieving portfolio growth through customer acquisition and profitability. The successful candidate will collaborate closely with cross-functional teams including Business, Risk, Technology, Operations, Analytics, Compliance, and Distribution to design, launch, and scale innovative financing solutions aligned with the Bank’s digital-first vision.

Key Responsibilities
- Develop and implement the product roadmap for Personal Finance and BNPL offerings.
- Own the product vision, value proposition, growth strategy, and commercialization efforts.
- Drive portfolio growth by focusing on customer acquisition, utilization, and profitability targets.
- Analyze customer behavior, market trends, and competitor products to identify opportunities for expansion.
- Define product features, pricing models, eligibility criteria, and customer propositions.
- Manage the entire product lifecycle from ideation to implementation and ongoing optimization.
- Design and improve digital financing journeys, covering application, approval, disbursement, and servicing stages.
- Collaborate with Technology teams to prioritize and deliver product enhancements and new functionalities.
- Prepare business requirements, user stories, process flows, and functional specifications.
- Manage product backlogs and ensure timely delivery within Agile frameworks.
- Lead User Acceptance Testing (UAT), business validation, and product release activities.
- Monitor portfolio performance metrics including volumes, disbursements, profitability, approval rates, and customer adoption.
- Use customer insights and analytics to inform product improvements and strategic decisions.
- Work closely with Risk, Credit, Compliance, Legal, Finance, Operations, and Marketing teams to ensure successful product outcomes.
- Manage partnerships with merchants, fintechs, and ecosystem players supporting BNPL and financing solutions.
- Enhance customer journeys by reducing friction across financing and servicing processes.
- Ensure compliance with regulatory requirements, Shariah principles, and internal governance standards.
- Prepare performance dashboards, business cases, management reports, and presentations.
- Lead continuous improvement initiatives to boost customer experience, operational efficiency, and portfolio performance.

Required Qualifications
- 5 to 8 years of experience in Product Management, Retail Banking, Consumer Finance, Digital Financing, BNPL, FinTech, or Digital Banking.
- Strong background managing Personal Finance, BNPL, unsecured financing, or related retail financing products.
- Proven success in product development, digital customer journey management, and portfolio growth.
- Bachelor’s degree in Business Administration, Finance, Economics, Information Technology, Computer Science, Engineering, or a related field.

Preferred Qualifications and Additional Information
- An MBA or relevant postgraduate qualification is preferred.
- Experience in Islamic Banking is considered an advantage.
- 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 environment where every individual has the chance to thrive.

Applications are invited until October 16, 2026.