To lead the design, development, and management of innovative and competitive SME product offerings that drive business growth, improve customer experience, and align with risk and regulatory requirements.
• Develop and continuously refine a portfolio of SME banking products, including loans, working capital, trade, and cash solutions, with a focus on 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 to launch, incorporating digital journeys, automation, and ongoing enhancements.
• Collaborate with Credit, Risk, Compliance, and Legal teams to ensure strong risk management and full regulatory alignment.
• Ensure all products comply with 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 digitalisation, 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, track KPIs (including digital adoption), and recommend improvements based on data insights.
• Gather customer feedback and digital usage insights to enhance products, user experience, and processes.
• Coordinate with Treasury, Operations, Technology, and Digital teams to ensure seamless, efficient, and digitally integrated product delivery.
• Any other task assigned
Required Qualification & Experience:
• Bachelor’s / Master’s in Business, Finance, Economics, or related field.
• Professional certifications in banking, product management, or risk (preferred).
• 5–7 years of experience in SME product development or commercial banking product roles
Essential Skills
• Strong knowledge of SME banking products and services
• Market and competitive analysis capability
• Product pricing and financial modelling
• Cross-department collaboration and stakeholder influence
• Customer-centric product design mindset
• Data-driven decision making and KPI monitoring
• Excellent communication and presentation skills
Job Locations:
Head Office
About MMBL:
Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion.
MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
Why Join MMBL ?
This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.