Country Product Owner

Description

Mashreq Bank Pakistan is seeking a visionary and execution-driven EVP – Head of Digital Channels to lead the development and growth of its digital platforms. The role will be responsible for end-to-end ownership of all customer-facing digital touchpoints including mobile banking, internet banking, and emerging platforms (chatbots, conversational AI, open banking, etc.). This is a critical leadership position that requires strategic thinking, product innovation, and execution excellence to position Mashreq Bank as the leading digital-first bank in Pakistan.

Responsibilities

Strategic Leadership

• Define and execute the bank's digital channel strategy aligned with customer needs, regulatory expectations, and business objectives.

• Champion the digital & agile model across the organization

Platform Ownership

• Lead the product management, design, and development of:

- Digital Channels (Individual & SME)

- Website

- New channels (Open Banking APIs, chatbots, etc.)

Customer Experience & Innovation

• Build intuitive, secure, and personalized digital journeys across platforms.

• Leverage data analytics, customer feedback, and UX best practices to enhance experience.

Technology & Delivery

• Collaborate with Engineering, Information Security, and DevOps to ensure secure, scalable, and high-performing digital platforms.

• Drive agile delivery frameworks and manage digital product backlogs.

Performance & P&L

• Own KPIs related to digital adoption, active users, NPS, and platform performance.

• Optimize digital cost-to-serve while improving engagement and transaction volumes.

Stakeholder & Partner Engagement

• Work closely with Compliance, Risk, and SBP regulators to ensure secure and compliant platforms.

• Build strategic alliances with fintech's, telcos, and technology providers.

Qualifications

• Experience: 10+ years in digital banking, fintech, or digital product leadership; minimum 5 years in a senior/executive role.

• Education: Bachelor's in computer science, Business, or related field; MBA or master's preferred.

• Expertise in: Digital channels, UX/UI, Agile delivery, Open APIs, emerging technologies (AI/ML, cloud, open banking)

• Proven track record of launching and scaling digital platforms in banking or financial services.

Strong understanding of SBP digital banking regulations, cybersecurity, and regional customer behavior.