Country Product Owner

2 days ago

Karachi, Sindh, Pakistan Mashreq Full time 120,000 - 180,000 per year

Job Purpose

The Country Product Owner –Payments will lead the design, development, and management of innovative payment solutions for consumers and small & medium enterprises (SMEs) in Pakistan. This role will focus on enabling seamless domestic and cross-border payment experiences through digital channels, APIs, and integrations with third party systems. The Product Owner will act as the local business lead — defining the vision, managing the product backlog, and working closely with Group Product, Technology, Compliance, and external partners to deliver differentiated, compliant, and scalable payment propositions.

Key result Areas

Product Strategy & Vision

  • Define and own the Consumer/ SME Payments product roadmap for Pakistan, aligned with Mashreq's digital and regional payments strategy
  • Identify market opportunities and emerging payment needs across domestic transfers, bill payments, bulk payments, payroll, and cross-border transactions.
  • Ensure alignment with regulatory guidelines and evolving SBP frameworks on digital payments and SME enablement.

Product Development & Delivery

  • Translate customer and business needs into user stories, requirements, and clear acceptance criteria.
  • Prioritize and manage the local product backlog in collaboration with the Group Product Owner and agile squads.
  • Drive delivery of new payment capabilities, APIs, and platform enhancements through continuous collaboration with Tech, Operations, and Risk teams.

Customer Experience & Commercialization

  • Champion customer needs to ensure intuitive, frictionless payment journeys across channels.
  • Partner with the Business Banking team to drive adoption, usage, and revenue growth.
  • Support pricing, go-to-market plans, and promotional activities to position Mashreq as a preferred SME payments partner.

Risk, Compliance & Governance

  • Ensure adherence to SBP regulations, AML/CFT standards, and data protection controls for all payment solutions.
  • Maintain a risk register and ensure appropriate controls and monitoring mechanisms are in place.
  • Liaise with internal audit, compliance, and control functions for continuous assurance.

Partnerships & Ecosystem

  • Identify and manage relationships with fintechs, payment gateways, and solution providers to build integrations and value-added propositions.
  • Explore opportunities to participate in national payment infrastructure initiatives (e.g., Raast, PayPak, etc.).

Knowledge, Skills and Experience

Education & Experience

  • Bachelor's degree in business, Computer Science, or Finance; MBA preferred.
  • 7–10 years of relevant experience in digital payments, cash management, or product development, ideally with exposure to SME or commercial banking.
  • Proven track record in digital product ownership, preferably within agile frameworks.

Technical & Functional Skills

  • Strong understanding of local and cross-border payment systems, APIs, and digital transaction flows.
  • Payment messages and Protocols understanding ISO
  • Familiarity with SBP regulatory frameworks for payments, open banking, and digital banking.
  • Experience in SME Banking and payment solutions
  • Strong analytical, prioritization, and stakeholder management skills.
  • Comfortable working in cross-functional, fast-paced agile environments.

Personal Attributes

  • Entrepreneurial mindset with strong commercial acumen.
  • Excellent communication, influencing, and problem-solving skills.
  • Customer-centric, data-driven, and results-oriented approach.
  • Ability to work across group and local teams to drive execution and innovation.

  • Country Product Owner

    6 days ago

    Karachi, Sindh, Pakistan Mashreq Full time 900,000 - 1,200,000 per year

    Job PurposeAs the Country Product Owner - NeoBiz Onboarding, you will play a key role in defining and executing the end-to-end customer onboarding experience for business customers. You will be responsible for delivering a seamless, intuitive, and highly efficient onboarding experience that reflects our digital-first ethos, driving engagement and customer...

  • Product Owner

    4 days ago

    Karachi, Sindh, Pakistan DM CLINICAL RESEARCH GROUP Full time 1,200,000 - 2,400,000 per year

    Job Details Job Location:    Corporate - Karachi (KHI) - Karachi, Sindh Salary Range:    Undisclosed Product OwnerWe are seeking a Product Owner (L3 Level, 5-7 Years Experience) to drive the development and enhancement of digital products and solutions based on product manager long term vision and strategy. The Product Owner will collaborate with...

  • Associate Product Owner

    1 week ago

    Karachi, Sindh, Pakistan Sofstica Full time 900,000 - 1,200,000 per year

    About Sofstica:At Sofstica, we are committed to delivering innovative solutions that meet our clients' needs. Our team thrives on collaboration, creativity, and a passion for excellence. We are currently seeking a dedicated and detail-oriented Associate Product Owner to join our dynamic team.Job Summary:As an Associate Product Owner at Sofstica, you will...

  • Associate Product Owner

    4 days ago

    Karachi, Sindh, Pakistan AHOY Full time $30,000 - $60,000 per year

    About the Company:EpicMetry is a dynamic venture studio based in Karachi. Our passion lies in harnessing cutting-edge technology to drive innovation and empower businesses across diverse industries. With a focus on excellence and a commitment to delivering exceptional solutions, we serve as a trusted partner for companies aiming to thrive in today's digital...

  • Product Owner

    2 days ago

    Karachi, Sindh, Pakistan Contour Software Full time 900,000 - 1,200,000 per year

    About ContourContour Softwarehas grown from a dozen people to over 2,000 staff across 3 cities, in less than 14 years.As a subsidiary of Constellation Software Inc., we are proud to be part of a global enterprise software conglomerate that has grown to become one of the top 10 software companies in the world, with employees and customers in 100+ countries....

  • Product Owner

    6 hours ago

    Karachi, Sindh, Pakistan VIDIZMO LLC Full time 120,000 - 240,000 per year

    We're seeking passionate, driven, and self-motivated individuals to join our team. If you're eager to grow in a dynamic environment and be part of a company that's at the forefront of AI innovation, this is your chance to hit the ground running.VIDIZMO is a USA-based technology company headquartered in Tysons, Virginia, and a Microsoft Solutions Partner in...

  • Technical Product Owner

    2 weeks ago

    Karachi, Sindh, Pakistan Carpe Diem Team Full time 900,000 - 1,200,000 per year

    About Carpe DiemCarpe Diem is a pioneering IT & Software Development firm serving 300+ clients across the USA with a robust team of 600+ professionals.Specializing in a broad spectrum of technological and creative solutions, we empower our clients with innovative approaches in marketing automations, media buying, and custom software development.Our culture...

  • Country Product Owner Digital Channels

    1 week ago

    Karachi, Sindh, Pakistan Mashreq Full time 1,500,000 - 2,500,000 per year

    Job PurposeMashreq 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...

  • Senior Product Owner-Payments

    4 days ago

    Karachi, Sindh, Pakistan Mashreq Full time 2,000,000 - 2,500,000 per year

    ```htmlAbout the CompanyMashreq Digital Bank is committed to providing a best-in-class customer experience while ensuring compliance with regulatory requirements and achieving commercial objectives in the payments domain.About the RoleThe Senior Product Owner – Payments will be responsible for driving the strategy, development, and delivery of payment...

  • Owner

    4 days ago

    Karachi, Sindh, Pakistan Traders@SMU Full time 120,000 - 360,000 per year

    Company DescriptionFounded in 2004, Flow Traders is a globally recognized trading firm specializing in Exchange Traded Products (ETPs) and a variety of asset classes, including digital assets and fixed income. Headquartered in Amsterdam, the company operates with over 600 employees across 10 office locations worldwide. Flow Traders emphasizes a...