Product Manager Digital App

The Product Manager for the Digital App will take full ownership of the Bank’s Retail Digital App, driving its product strategy, enhancing customer experience, and overseeing feature development and digital engagement. This role focuses on delivering a seamless, intuitive, and secure banking experience that supports customer acquisition, activation, engagement, retention, and overall digital adoption. The position plays a critical role in aligning the app’s capabilities with the Bank’s Retail Banking strategy to ensure optimal performance and customer satisfaction.

Key Responsibilities

- Manage and execute the product roadmap for the Retail Digital App.
- Own and optimize customer journeys across onboarding, account management, payments, transfers, cards, deposits, financing, and servicing functions.
- Define and prioritize product requirements, user stories, and feature enhancements.
- Collaborate closely with Design, Technology, Operations, Risk, Compliance, and Customer Experience teams to deliver new app capabilities.
- Drive continuous improvements in app usability, functionality, and customer engagement.
- Monitor app performance metrics such as adoption rates, customer activity, and transaction trends.
- Analyze customer feedback, app reviews, user behavior, and usage analytics to inform product decisions.
- Support the development of self-service and digital servicing features.
- Manage the product backlog and facilitate Agile delivery processes.
- Lead User Acceptance Testing (UAT), business validations, and ensure readiness for implementation.
- Conduct competitor benchmarking and market research to identify opportunities for innovation.
- Ensure app journeys align with customer lifecycle stages and proposition strategies.
- Coordinate app releases and product launches with relevant stakeholders.
- Track key performance indicators including active users, engagement levels, transaction volumes, app ratings, and digital conversion rates.
- Ensure compliance with regulatory requirements such as SBP regulations, data privacy laws, and Shariah principles.
- Support ecosystem integrations with fintech partners, payment providers, and other strategic collaborators.
- Prepare detailed product performance reports, dashboards, and presentations for management.
- Work with the Customer Experience team to monitor feedback, identify pain points, and implement improvements across customer journeys and service touchpoints.

Required Qualifications

- Bachelor’s degree in Business Administration, Finance, Computer Science, Information Systems, Engineering, or a related field.
- Minimum of 5 to 8 years of experience in Digital Banking, Mobile App Product Management, Retail Banking, Product Management, Fintech, Customer Experience, or Digital Transformation.
- Proven experience managing customer-facing digital applications and mobile banking platforms.

Preferred Qualifications and Additional Information

- An MBA or relevant postgraduate qualification is preferred.
- Experience in Islamic Banking is considered an advantage.
- Strong skills in digital product management, mobile banking applications, retail banking products, customer journey design, Agile and Scrum methodologies, product roadmap management, digital customer experience, user story development, business analysis, product analytics, UAT and release management, regulatory compliance, and stakeholder management are essential.

Raqami Bank is committed to equal opportunity employment and encourages applications from all qualified individuals, including Persons with Disabilities (PWDs). The Bank fosters an inclusive workplace where every employee has the opportunity to succeed and contribute meaningfully to the organization’s goals.