Job Description

Our client, a Karachi-based, State Bank of Pakistan (SBP) regulated Electronic Money Institution (EMI), seeks to appoint an experienced professional for the following role.

HEAD OF PRODUCTS

Job Scope

As a Head of Product, you will be responsible for the Product function and strategy. The incumbent will drive innovation, product development, and digital transformation initiatives to ensure the company maintains a competitive advantage while delivering exceptional customer experiences and sustainable business growth.

Key Responsibilities

• Strategy & Leadership - Develop and execute the overall Digital Payments strategy aligned with Company's corporate objectives and digital transformation agenda.

• Define and maintain a multi-year digital payments roadmap, prioritizing initiatives based on business value, customer demand, market opportunities, and regulatory requirements.

• Lead the Digital Payments function, ensuring successful delivery of innovative payment solutions from concept through implementation and commercialization.

• Act as the organization's subject matter expert on emerging payment technologies, fintech innovations, digital wallets, embedded finance, open banking, AI driven payment solutions, and evolving payment ecosystems.

• Product Development & Innovation - Drive the end-to-end lifecycle management of digital payment products, including cards, acquiring solutions, prepaid programs, wallets, and future payment innovations.

• Identify market opportunities, customer pain points, and emerging trends to create differentiated payment solutions.

• Establish and manage a robust pipeline of product enhancements, optimizations, and new product launches.

• Lead solution design, implementation, and commercialization of card issuing and acquiring initiatives, including greenfield prepaid card programs.

• Leverage Artificial Intelligence (AI), advanced analytics, and customer insights to improve product performance, customer engagement, fraud prevention, and revenue generation.

• Business & Stakeholder Management - Partner closely with senior stakeholders to ensure alignment of digital payments initiatives with organizational priorities.

• Act as the primary liaison between business, technology, operations, compliance, risk, and external partners for all digital payment projects.

• Collaborate with internal and external stakeholders to define business requirements, use cases, and customer journeys.

• Build and maintain strategic relationships with payment networks, fintech partners, processors, vendors, and regulators.

• Market Intelligence & Customer Experience - Continuously monitor global and regional payment industry developments, regulatory changes, and competitive trends.

• Evaluate new technologies and business models to ensure early adoption of innovative payment solutions.

• Champion customer centric product design by incorporating customer behaviour, feedback, and data driven insights into product development.

• Define and track key performance indicators (KPIs), including customer acquisition, transaction growth, revenue generation, product adoption, customer satisfaction, and ROI.

• Project Delivery & Governance - Lead cross functional project teams, including onshore, offshore, and third-party vendor resources.

• Ensure successful execution of digital payment initiatives within agreed timelines, budgets, and quality standards.

• Drive Agile delivery methodologies, continuous improvement, and accelerated time-to-market for digital products.
• Ensure compliance with applicable regulatory, risk management, cybersecurity, and governance requirements.

Education

• Minimum 16 years of education preferably masters from a renowned HEC recognized university or institution/equivalent foreign degree holder preferably in MIS, Computer Sciences, IT, Database Management, Business Administration and / or any relevant field.

Experience

• Minimum 10 years of professional experience preferably at a fintech start up or a large financial institution with related functional experience in a similar role at an equivalent position or in one level below position
• Proven experience in a Product role, preferably within the fintech sector.

Requirements

• Experience building both new products as well as track record of adding continuous product improvements to an existing product portfolio, ideally for consumer-facing digital products

• Ability to excel in a dynamic, evolving and fast paced start up environment
• Exceptional leadership & team management skills with a track record of building & leading high-performing teams.
• Ideal candidate to have experience building disruptive consumer digital wallet, mobile application and/or card-based products
• Strong strategic planning, project management, and problem-solving skills.
• A resourceful self-starter with excellent organizational and time management skills

Age

• The candidate should preferably be not more than 45 years of age as of last date of submission of application.

This advertisement is published on 07 August 2026 The last date to apply is 16 August 2026 Candidates who possess the required experience and educational qualifications to undertake this challenging role are encouraged to submit their applications at https://hrsi.careers-page.com/

Only shortlisted candidates will be contacted.

www.hrs-int.com