• What is Head of Products & Research - MMBL?
  • The Head of Product & Research is responsible for the strategic planning, development & management of bank products, ensuring alignment with business goals & market trends. This role oversees product innovation, research, pricing, budgeting governance & compliance while driving customers-centric product strategies. Additionally, the role involves monitoring product performance, ensuring regulatory adherence, & leveraging administrative tools for effective product governance.
• What Head of Products & Research - MMBL does?
  • Strategic product development, Sustainability & innovation:
  • • Develop & implement a comprehensive product strategy aligned with the bank current & future business goals.
  • • Lead the research & development of new banking products ensuring innovation, market segmentation, retail-corporate product strategies & customer relevance.
  • • Identify & lead new market development campaigns in specialized SME’s products, low cost deposit, BANCA & develop roadmaps for implementation of digital solutions.
  • • Drive digital transformation by integrating fintech solutions & emerging technologies.
  • • Develop and lead regional product strategy. Design & implement product roadmap tailored to different regions based on economic, cultural & demographic factors.
  • • Market intelligence and data-driven insights to identify high potential regions for new product launch and branch expansion.
  • • Establish a sustainable framework & product strategy for green finance, climate resilience integrating ESG principles & innovative insurance into product development.
  • • Product Research & Market Intelligence:
  • • Lead & conduct in-depth market research & data analytics to optimize product performance & customer experience.
  • • Establish a framework for product testing, product lab for continuous innovation & improved product life cycle.
  • • Provide and enabling environment for Corporate, retail and value chain solutions with renewable energy firms, green technology providers & environmental agencies to promote sustainable financing and business growth.
  • Pricing, Budgeting & Financial Performance:
  • • Lead in developing the best product positioning through pricing strategies that balance profitability & competitiveness.
  • • Oversee all products revenue forecasting, cost management & budget allocation.
  • • Monitor key performance metrics (Revenue, cost of fund, product profitability) to ensure sustainability.
  • Product Monitoring & Performance Management:
  • • Define & track key performance indicators (KPI’s) for all bank products.
  • • Implement real time product monitoring dashboards & analytical tools.
  • • Conduct periodic product reviews & implement necessary enhancement based on performance data.
  • • Ensure collaboration with sales, marketing, finance & IT teams for seamless product execution.
  • Compliance & Risk Management:
  • • Ensure all products adhere to regulatory guidelines, internal polices & risk framework.
  • • Lead the collaboration with internal & external stakeholders & regulator in mitigating the potential product related risks.
  • Administration & Governance:
  • • Establish governance mechanism to ensure transparency in product processes, approvals & lifecycle management.
  • • Drive automation and process improvements to enhance product delivery & operational efficiency.
  • • Standardize product documentation, processes & reporting mechanism.
  • • Assist CBO in board and management level matters related to product unit.
• What are we looking for and what does it require to be Head of Products & Research - MMBL?
  • Experience:
  • • Over 10 years of experience in product development and management.
  • • At least 3 years in a managerial role.
  • • Strong expertise in retail, digital, and commercial banking products.
  • Educational Background:
  • • Master’s degree in Business Administration, Finance, Marketing, Banking, or a related field (preferred).
  • • Certification in Product Management, FinTech, ESG, or Digital Banking (preferred).
  • Technical Proficiency:
  • • Expertise in product development and management within the banking sector.
  • • Strong analytical skills for data-driven decision-making.
  • • Knowledge of digital banking and fintech innovations.
  • • Experience in change management and transformation initiatives.
  • • Strategic planning and execution capabilities.
  • Soft Skills:
  • • Visionary thinking with a forward-looking approach.
  • • Strong stakeholder management skills.
  • • Effective leadership and team management.
  • • Ability to work under pressure and adapt to changing environments.
  • • Willingness and readiness for mobility.

• Head Office

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.

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.