Human Resource Solutions International - HRSI

BANKING - HEAD OF RETAIL (DIGITAL)

Human Resource Solutions International - HRSI  •  Karachi, PK (Onsite)  •  3 hours ago
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Job Description

HRSI is conducting an executive search on behalf of a leading global bank in Pakistan. The Head of Retail leads the growth and success of the bank's retail digital banking unit. You will own multiple P&Ls across a fully functional digital bank spanning strategy, products, client experience, distribution ecosystems, risk management, data analytics, digital channels, and Pakistan's national cash digitization agenda.

The organization is an equal opportunity employer, committed to fostering diversity and inclusion across all levels of our organization.

KEY RESPONSIBILITIES:

Digital banking

  • Grow the retail digital portfolio
  • Build and manage digital channels & apps
  • Develop P.A.A.S and B.A.S.S strategy
  • Lead product owners & software teams
  • Manage fintech partnerships

Business management

  • Own P&L: deposits, lending, payments, wealth
  • Drive ROI across product streams
  • Implement credit, fraud & cyber risk frameworks

Customer experience

  • Enhance digital servicing capabilities
  • Ensure secure, user-friendly channels
  • Deploy AI, robotics & process automation

Data & marketing

  • Oversee data engineering & analytics
  • Drive data-informed product decisions
  • Lead integrated marketing campaigns

CORE COMPETENCIES:

  • Digital platform leadership - Deep expertise in building and scaling consumer digital banking products and ecosystems
  • P&L ownership - Proven track record managing multiproduct P&Ls in a competitive retail banking environment
  • Executive leadership - Ability to inspire and direct large cross functional teams through complex transformation
  • Risk & compliance - Strong command of credit, fraud, cybersecurity, and regulatory risk management frameworks
  • Data-driven strategy - Leverages cognitive analytics and data engineering to inform decisions and product direction
  • Innovation & vision - Passion for fintech, AI adoption, and
    advancing Pakistan's national cash digitization agenda

SKILLS & QUALIFICATIONS:

  • Education Bachelor's or Master's in Business Administration, Marketing, or related field
  • Experience Minimum 18 years in digital retail banking; at least 5 years in senior management
  • Technical Strong command of digital banking technologies, platforms, and infrastructure
  • Leadership Proven record leading large cross-functional teams across a digital bank

Only shortlisted candidates will be contacted
Application Deadline:
28th June 2026
www.hrs-int.com

Human Resource Solutions International - HRSI

About Human Resource Solutions International - HRSI

Founded in 2004 with a primary focus on executive search, HRSI expanded its services in 2009 with Human Resource Solutions Private Limited (HRSPL). As a leading HR service provider in Pakistan, we offer executive search, employee outsourcing, business process outsourcing, mass recruitment, pre-employment screening, employee outplacement, training, and more.

Based in Karachi with a regional office in Islamabad, our team of over 120 professionals serves over 200 clients globally and locally across 22 industries. We are affiliated with the Kilpatrick Group, a global executive search firm with offices in multiple countries.

Industry
Unknown
Company Size
51-200 employees
Headquarters
Karachi, PK
Year Founded
2004
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