Product Manager

13 hours ago

Islamabad, Islamabad, Pakistan PalmPay Full time 1,200,000 - 2,400,000 per year

About PalmPay
PalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over
40 million users
, we are building a digital financial ecosystem that empowers individuals and businesses through accessible, easy-to-use, and rewarding financial services.

Operating in
Nigeria, Ghana, Tanzania, Bangladesh, and Pakistan
, PalmPay has been recognised by
CNBC
as one of the
Top 300 Global Fintech Companies
and ranked
#2 overall
and
#1 in financial services
on the
Financial Times' Africa's Fastest Growing Companies 2025
list.

Position Overview
We are seeking a
Product Manager
for our Pakistan business who will focus on designing, implementing, and managing financial products with end-to-end regulatory compliance. This role requires a strong understanding of
SBP, SECP, and AML regulations
, as well as experience embedding risk controls into products. The ideal candidate has hands-on experience in fintech, banking, or consumer installment financing, and a track record of leading compliance-driven product launches in Pakistan.

Core Responsibilities
Compliance Framework Development

  • Design product requirements in alignment with SBP, SECP, and Anti-Money Laundering Act regulations
  • Lead product compliance reviews, covering user data privacy (PDPA), Shariah compliance, and anti-fraud measures

Embedding Risk Control into Products

  • Translate compliance requirements into product features such as KYC flows, repayment algorithms, and fee disclosure templates
  • Coordinate with product and tech teams in China to implement features
  • Monitor regulatory policy changes (e.g., BNPL regulations) and adapt product strategies accordingly

Local Compliance Collaboration

  • Liaise with law firms, consulting agencies, and SBP-accredited bodies for licensing, audits, and reporting
  • Train business teams to identify high-risk scenarios (e.g., promotions during religious periods, remote-region collections)

Experience
Mandatory Requirements

  • 4+ years of product compliance experience in fintech, banking, or consumer installment financing
  • Experience in the Pakistani financial market is strongly preferred
  • Must have led or participated in at least one full financial product compliance launch (case summary required)

Professional Knowledge

  • Familiarity with: SBP Consumer Protection Regulations Credit Information Bureau (CIB) reporting rules Shariah Compliance framework

Language

  • Fluent in English (working language)
  • Proficiency in Urdu is a plus

Soft Skills

  • Risk Sensitivity: Ability to anticipate regulatory grey areas (e.g., interest-free promotions during religious festivals)
  • Local Insight: Knowledge of user segmentation in Pakistan (e.g., repayment cycles for agricultural income groups)
  • Resilience: Adaptability to fast-changing regulations (e.g., SBP's tightened BNPL policy in 2024)

Compensation & Benefits

  • Competitive salary with annual performance-based reviews
  • Festival bonuses and mobile/internet allowance
  • Opportunity to lead compliance-driven product development at a multinational fintech

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