Product Manager - SME

As an Assistant Vice President reporting to the Head of SME, you will lead the design, development, and management of innovative SME product offerings that drive business growth and enhance customer experience. Your role will focus on creating competitive, digitally enabled banking solutions for small and medium enterprises, ensuring alignment with risk management and regulatory standards. You will work closely with cross-functional teams to deliver seamless, customer-centric products that support scalable digital growth and financial inclusion.

Key Responsibilities

- Develop and continuously improve a portfolio of SME banking products, including loans, working capital, trade finance, and cash management solutions, emphasizing digital enablement and customer-centric design.
- Conduct market research to identify customer needs, industry trends, and opportunities for digital innovation and competitive differentiation.
- Lead end-to-end product development from concept through launch, incorporating digital journeys, automation, and ongoing enhancements.
- Collaborate with Credit, Risk, Compliance, and Legal teams to ensure robust risk management and full regulatory compliance.
- Ensure all products adhere to applicable regulatory requirements and internal policies.
- Design pricing strategies and financial models to support product viability, profitability, and scalable digital growth.
- Work closely with IT and Digital teams to drive product digitalization, system integration, and process automation.
- Partner with Distribution, Branches, and Relationship Managers to execute go-to-market strategies across physical and digital channels.
- Provide training, tools, and digital platforms to enable sales teams for effective product positioning and delivery.
- Monitor product performance by tracking KPIs, including digital adoption, and recommend improvements based on data insights.
- Gather customer feedback and digital usage data to enhance products, user experience, and processes.
- Coordinate with Treasury, Operations, Technology, and Digital teams to ensure seamless and efficient product delivery.
- Perform any other tasks as assigned.

Required Qualifications

- Bachelor’s or Master’s degree in Business, Finance, Economics, or a related field.
- 5 to 7 years of experience in SME product development or commercial banking product roles.
- Strong knowledge of SME banking products and services.
- Proven ability in market and competitive analysis.
- Expertise in product pricing and financial modeling.
- Demonstrated skills in cross-department collaboration and stakeholder management.
- Customer-centric product design mindset.
- Data-driven decision-making capabilities and experience monitoring KPIs.
- Excellent communication and presentation skills.

Preferred Qualifications and Benefits

- Professional certifications in banking, product management, or risk management are preferred.
- Opportunity to work with a leading financial institution serving over 64 million registered users across Pakistan.
- Be part of a hybrid banking model that integrates traditional microfinance with cutting-edge mobile and digital banking technologies.
- Contribute to a mission-driven organization focused on financial inclusion through a wide range of services including MSME loans, mobile wallets, remittances, and digital payments.
- Join a collaborative workplace that values innovation, entrepreneurship, teamwork, and a customer-centric approach.
- Play a key role in driving transformative change and empowering millions to succeed in the digital age.

Mobilink Bank operates over 132 branches and 324,000 branchless banking agents nationwide, offering a comprehensive suite of financial products via digital channels such as USSD. This role offers a unique chance to influence the future of SME banking in Pakistan by leveraging digital innovation and customer insights.