Country Product Owner – Cash Digitisation.Digital Banking Products -MBP.Retail Banking Group RBG-MBPKLTD

Job Purpose:

Mashreq Bank Pakistan is seeking a visionary and execution-driven EVP – Country Product Owner – Cash Digitisation to lead the strategy and development of cash digitisation vertical. The role will be responsible for end-to-end ownership of all the cash digitisation initiatives, digital instruments, digital KIOSK channel, Digital International Transfers and new partnerships, including their development on customer-facing digital touchpoints, for example, 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.

Key Result Area:

Strategic Leadership

• Define and execute the bank’s cash digitisation strategy aligned with customer needs, regulatory expectations, and business objectives.

• Champion the digital & agile model across the organisation

Product Ownership

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

- Cash Digitisation Roadmap (Individual & SME)

- Lead the development and roadmap of the Digital KIOSK channel

- Lead the development and roadmap of International Transfers initiatives.

- New Partnerships product development

- Product and Features roll out on cross platforms.

- Align the product dependencies both internal & external.

Customer Experience & Innovation

• Build intuitive, secure, and personalised 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 transactions and optimisation of Cash IN & Cash Out cost.

• Ensure product adoption across the customer segments.

Stakeholder & Partner Engagement

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

• Build strategic alliances with fintech’s, telcos, Banks and technology providers. Strong understanding of SBP digital banking regulations, cybersecurity, and regional customer behavior.

Knowledge, Skills & Experience:  

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

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