Country Product Owner

3 days ago

Karachi, Sindh, Pakistan Mashreq Full time
Country Product Owner - Lending & Trade (Mashreq Digital Bank Pakistan)

Country Product Owner – Lending and Trade will have end-to-end responsibility for the development, management, harmonization and phasing out of NeoBiz – Lending & Trade products. He/She will also be responsible for creating all processes to ensure reduction of overall product delivery TAT & achieving an optimum customer experience. This concerns a broad specialism regarding the product, channel or market with end-to-end responsibility for the squad's activities. The Customer Journey expert works in a squad within Mashreq's Digital Studio. Works together with other experts to achieve the squad's mission. Has expertise in the areas of marketing, product management, channel and process optimization. Drives & manages sustained profitability and grow market share of NeoBiz Assets products through penetration of existing customers & developing new Assets products in line with business strategic priorities.

Key Result Areas

  • Manage the P & L for all Asset/Lending & Trade products for the NeoBiz i.e SME Loans, Merchant Overdraft, Trade and Working Capital, Non-Funded / Documentary trade.
  • Applies profound product/ service knowledge to develop and maintain an attractive and compliant value proposition and delivery excellence for customers. Identify opportunities in the Business Banking space and develop new asset products to maximize market share and profitability for Mashreq.
  • Ensure profitable growth for Asset portfolio through sound credit policy, portfolio management and pricing control.
  • Define & execute marketing campaigns to drive incremental business volume growth to meet targets & sustained profitability for asset portfolio.
  • Keeps track of and analyses market and competition developments (in the area of cost price, market price, market share, legislation and regulations, technological developments, distribution methods and other areas).
  • Define & identify cross-sell opportunities within the customer base by developing propensity models with help from Analytics team to increase product penetration index and revenue per customer.
  • Responsible to define and monitor KPI's & KPA's linked with financial targets, incentives policies and consequence management to drive channels for maximum profitability.
  • Ensure Audit readiness for the Unit.
  • Deals with the most urgent incidents and improvement needs.
  • Proposes and implements structural improvements to work processes, following improvement needs flagged up from within the touch point.
  • Uses his/her technical expertise and experience to contribute to all sprint events (planning, refinements, retrospectives, demos).
  • Weighs up development of new products and services against procurement of possible sub- products.
  • Initiates customer research.
  • Designs strategy in the area of products, channels, promotion, pricing, and product and process quality, in keeping with MASHREQ's brand policy and with customer interests as the starting point for their ideal customer journey.
  • Translates the strategy into practical policy. Formulates the product, process and channel policy in keeping with internal and external legislation and regulations, process principles aiming for maximum customer satisfaction and efficiency and the lowest possible cost price.
  • Directs implementation of this strategy, tracks squad progress and adjusts wherever necessary in his or her role as a product owner.
  • Prioritizes the backlog regarding strategy, customer interests and feasibility in his or her role as product owner and in consultation with the Digital Studio lead.
  • Monitors the planning, budget and requirements and completes backlog items during squad sprints.
  • Weighs up the implications of margins, volumes and market shares and sets targets, always keeping customer interests a priority.
  • Design, maps and improves the performance of Customer Journeys through identifying and collecting available CX and data, and translating UX and IT-landscapes.
  • Applies marketing and communication practices to develop and maintain an optimal (digital) mix for channel and/or segments performance.
  • Has up-to-date knowledge of the business domain and the underlying application architecture + relevant IT landscape and technologies. Knowledgeable on IT opportunities to support business goals. And is able to translate business solutions into working software by collaborating with IT engineers.
  • Provides product information to internal and external parties (such as the press and PR, interbank consultations, internal and external suppliers, consumer and interest groups, industry regulators and the government).
  • Manages, coaches, inspires, develops, evaluates and assesses employees. Creates the required environment and enables employees to do their jobs well, both now and in the future.

Operating Environment, Framework and Boundaries, Working Relationships

  • Prioritizes the backlog regarding strategy, customer interests and feasibility in his or her role as product owner and in consultation with senior Management.
  • Has a helicopter view and determines priorities based on context.
  • Masters the fundamentals of all core capabilities of CUSTOMER JOURNEY and has profound knowledge in at least one field of expertise for which he or she is regarded as go-to person within the Digital Studio.
  • Is a go-to-person for the team when encountering challenges.
  • Improves himself in everything he / she does.
  • Challenges and improves own work and that of colleagues continuously and vice versa.
  • Serves as an example of giving and receiving feedback and acts upon it.
  • Sets the rules for activities and enhances them.
  • Writes job aids and provides training.

Problem Solving

  • Facilitate cross functional teams for process improvement.
  • Resolve issues with sales and credit underwriters to help achieving sales goals.
  • Ability to analyze drivers of product profitability and to model prospective profitability of new and enhanced offerings.
  • Carrying out independent market intelligence function as an on-going program throughout the year.
  • Ability to identify problems with existing policy and propose solution.
  • Work with all teams to ensure Product Profitability.

Decision Making Authority & Responsibility

  • Re-pricing the products to ensure the overall product profitability.
  • Implementation/adherence to compliance and other regulations.
  • Ensure business continuity.

Knowledge, Skills and Experience

  • Graduate with minimum 10+ years of related banking and finance experience.
  • Sound knowledge of credit underwriting techniques and risk analysis (qualitative, analytical, and scoring based).
  • Strong understanding of P&L and marketing development across the various product life cycle stages.
  • Experience as a Product Owner / Product Manager with software products.
  • Experience in Agile methodologies.
  • Strong negotiation and leadership skills.
  • Excellent communication and presentation skills.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Sales, General Business, and Product Management

Industries: Banking

#J-18808-Ljbffr

  • Product Owner

    3 weeks ago

    Karachi, Sindh, Pakistan Craft Tech Team Full time

    Craft Tech works with early-stage & established startups by curating professional teams of specialists who work together to create value. Our teams are motivated to make a positive impact and drive success for our clients. We are always looking for folks that want to do meaningful work that has real-world impact day to day. In this case, we have partnered...

  • Product Owner

    2 weeks ago

    Karachi, Sindh, Pakistan Cooperative Computing Full time

    Product Owner - Software Solutions Cooperative Computing, Pakistan Cooperative Computing (C|C) is a digital enablement organization enabling organizations to effectively operate in the automated economy. The future of business is in maximizing relationships through the effective use of technology. With our clients, we discover, strategically engineer a...

  • Product Owner

    3 weeks ago

    Karachi, Sindh, Pakistan iTack Solutions Full time

    Direct message the job poster from iTack SolutionsHR Business Partner | HR Operations Manager | Employee Development | Process Efficiency | Technical Recruitment | Conflict Resolution | Talent…At iTack Solutions, we are redefining healthcare with innovative software products that empower providers worldwide. As a global leader in Health IT, we are...

  • Product Owner

    7 days ago

    Karachi, Sindh, Pakistan VIDIZMO LLC Full time

    The Product Owner is responsible for the product planning and execution throughout the Product Lifecycle, including gathering and prioritizing product and customer requirements, defining the product vision, and working closely with engineering, sales, marketing, and support to ensure revenue and customer satisfaction goals are met. You will be heavily...

  • Software Product Owner Professional

    7 days ago

    Karachi, Sindh, Pakistan Cooperative Computing Full time

    Job DescriptionAs a Product Owner, you will be responsible for defining and communicating the product vision, managing and prioritizing the product backlog, and guiding cross-functional teams throughout the development process. You will work closely with stakeholders to identify market trends, customer feedback, and business objectives to make informed...

  • Strategic Owner

    1 week ago

    Karachi, Sindh, Pakistan Craft Tech Team Full time

    About the RoleThis is an exciting opportunity to join our team as a Product Owner/Manager. You will be responsible for defining product vision, gathering and prioritizing requirements, and working closely with cross-functional teams to ensure product success. Your primary objective will be to manage the development of a product from start to finish, ensuring...

  • Country IT

    3 weeks ago

    Karachi, Sindh, Pakistan DHL Germany Full time

    Overview:We are seeking applications for the position of "Country IT & BPO Manager" who will be responsible to lead IT operations & business process quality & improvement at the country level, lead the implementation of functional strategy to provide the highest quality of IT processes and also identify new and alternative approaches to improve effectiveness...

  • Technical Product Owner

    3 weeks ago

    Karachi, Sindh, Pakistan CodeNinja Inc. Full time

    This role will be specifically focused on enabling seamless integrations between SAP and other enterprise systems, ensuring that product stewards have access to accurate, real-time data and a unified experience across their compliance processes. By enhancing connectivity and automation, we empower product stewards to focus on strategic decision-making rather...

  • Product Owner Role

    7 days ago

    Karachi, Sindh, Pakistan NextgenI Full time

    We are seeking a highly skilled Product Owner to play a crucial role in defining and delivering innovative solutions for NextgenI. The ideal candidate will have a strong background in product strategy, user research, and agile methodologies.Key Responsibilities:Develop and execute a comprehensive product strategy based on user research and business...

  • Mid-Senior Level Product Owner in Agile Environment

    5 days ago

    Karachi, Sindh, Pakistan CodeNinja Inc. Full time

    As a mid-senior level Product Owner, you will be responsible for driving product strategy and execution, ensuring seamless integrations between SAP and other enterprise systems.Key Responsibilities:Drive product strategy and execution to ensure seamless integrations between SAP and other enterprise systemsCollaborate with cross-functional teams to drive...

  • Product Owner

    3 days ago

    Karachi, Sindh, Pakistan Mashreq Full time

    Job SummaryMashreq Digital Bank Pakistan seeks a seasoned Product Owner - NeoBiz Assets to lead the development, management, and harmonization of NeoBiz - Lending & Trade products.The ideal candidate will have a strong background in product management, Agile methodologies, and excellent communication and presentation skills. Key Responsibilities...

  • Technical Product Owner

    5 days ago

    Karachi, Sindh, Pakistan CodeNinja Inc. Full time

    This role will enable seamless integrations between SAP and other enterprise systems, ensuring product stewards have access to accurate, real-time data and a unified experience across their compliance processes.Key Responsibilities:Enhance connectivity and automation to empower product stewards to focus on strategic decision-makingEnsure product owners have...

  • Product Owner

    2 days ago

    Karachi, Sindh, Pakistan Bleed AI Full time

    At Bleed AI, we're not just building software, we're shaping the future of AI-powered solutions. We're looking for a passionate and skilled Product Owner to join our growing team and help us revolutionize the industry.This role involves a mix of client-facing responsibilities, sales acumen, and project oversight to ensure that client needs are accurately...

  • Country Product Development Manager

    3 days ago

    Karachi, Sindh, Pakistan Mashreq Full time

    Job DescriptionMashreq Digital Bank Pakistan is seeking a highly skilled Country Product Development Manager to lead the development, management, and harmonization of NeoBiz - Lending & Trade products.The successful candidate will have end-to-end responsibility for ensuring the reduction of overall product delivery TAT and achieving an optimum customer...

  • Country Head of Marketing

    3 weeks ago

    Karachi, Sindh, Pakistan DHL Germany Full time

    Overview:We are seeking applications for the position of "Country Head – Marketing & Sales" who will be responsible for shaping, driving, and managing the marketing & sales function and defining the country-level functional strategy to deliver growth, profitability, customer retention, improve competitive positioning, and optimize resource utilization in...

  • Country Director for Citi Pakistan

    7 days ago

    Karachi, Sindh, Pakistan Citigroup Full time

    The Country Director for Citi Pakistan will be responsible for leading the country's banking operations, developing strategic partnerships, and managing the risk management and compliance function.Key Responsibilities:Develop and execute a comprehensive client-driven franchise growth strategy.Manage and oversee the Citi Banking organization, ensuring...

  • Digital Product Owner

    2 weeks ago

    Karachi, Sindh, Pakistan GLAS Full time

    About the JobThe Technical Product Manager at GLAS is responsible for managing the product development lifecycle. This includes defining product requirements, developing product roadmaps, and collaborating with cross-functional teams to deliver high-quality products.We are committed to providing innovative solutions to our customers, including video content...

  • Assistant to the Country Director

    16 hours ago

    Karachi, Sindh, Pakistan Interwood Mobel (Pvt) Ltd. Full time

    Job Position: Assistant to the Country DirectorWe are seeking a highly skilled Assistant to the Country Director to provide exceptional administrative support to our Country Director at Interwood Mobel (Pvt) Ltd.Responsibilities:The successful candidate will be responsible for coordinating travel logistics, including booking flights, accommodations, and...

  • Technical Business Owner

    2 weeks ago

    Karachi, Sindh, Pakistan CreditNinja - KMD Partners, LLC Full time

    This is an exciting opportunity for a talented Technical Business Owner to join CreditNinja - KMD Partners, LLC and lead the development of cutting-edge SAP solutions. As a key member of our team, you will be responsible for driving strategic decisions and collaborating with cross-functional teams to deliver successful products.Responsibilities:Lead the...

  • Country Manager/Sr Sourcing

    3 days ago

    Karachi, Sindh, Pakistan Standard Textile Co., Inc Full time

    Country Manager/Sr Sourcing Standard Textile Co., Inc, Pakistan Standard Textile Co., Inc., is the international technology leader in the manufacturing and distribution of reusable textiles, apparel, surgical, and decorative products. We are currently seeking a Country Manager/Sr. Sourcing for our Karachi location.The Country Manager/Senior Sourcing will be...