The Product Manager – Digital Banking is responsible for designing, enhancing, and managing digital banking products across mobile app, internet banking, and internal digital channels. The role focuses on translating business and customer needs into well-defined digital features, working closely with business, technology, operations, risk and compliance teams to deliver secure, scalable, and customer-friendly solutions.
Key Responsibilities
1. Product Ownership & Roadmap
• Own assigned digital banking products and features end-to-end.
• Contribute to the digital banking roadmap in line with the bank’s transformation strategy.
• Identify opportunities to digitize manual processes and improve customer journeys.
• Define product objectives, success metrics, and release plans.
2. Requirements & Product Design
• Gather requirements from business, operations, risk, and compliance teams.
• Convert requirements into clear PRDs, user stories, and functional flows.
• Define end-to-end digital journeys and edge cases.
• Work with UX/UI designers to create intuitive customer experiences.
3. Delivery & Execution
• Work closely with engineering teams to ensure accurate and timely delivery.
• Maintain and prioritize product backlogs.
• Participate in agile ceremonies (grooming, sprint planning, reviews).
• Provide clarifications to technology teams during development.
• Support UAT, pilots, and production releases.
4. Stakeholder Coordination
• Act as a bridge between business, technology, operations, risk, and compliance.
• Ensure alignment on scope, timelines, and responsibilities.
• Present product updates, demos, and progress to internal stakeholders.
5. Compliance, Risk & Governance
• Ensure all digital features comply with SBP regulations, internal policies, AML, and data security requirements.
• Coordinate approvals with Risk, Compliance, Legal, and Information Security.
• Maintain proper documentation for audits and reviews.
6. Performance Monitoring & Improvement
• Track digital KPIs such as adoption, usage, drop-offs, and turnaround time.
• Analyze customer feedback, complaints, and system issues.
• Identify and implement continuous improvements to enhance customer experience and operational efficiency.
7. Operational Readiness
• Support creation of SOPs for digital processes.
• Coordinate training for call center, branch, and support teams on new features.
• Ensure smooth handover to operations post-launch.
• Bachelor’s degree in Business, Finance, Computer Science, or a related field.
• 3–6 years of experience in product management, digital banking, fintech, or technology-enabled roles.
• Exposure to mobile apps, internet banking, APIs, or core banking systems is preferred.
• Experience working in a regulated environment is a plus.
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.