Product Manager, Retail Deposits.CoE Pakistan - RBG - Liabilities CASA.Retail Ba
- Location
- Pakistan
1
Job Title
Product Manager – Retail Deposits
Department
Retail Liabilities
Direct Supervisor
Vice President – Product and Proposition
Job Number
2
Job Purpose
Support the Head of Product in achieving the strategic objectives of the Retail Liabilities business by managing and growing the bank’s deposit products and portfolio. Responsible for driving product strategy execution, portfolio performance, profitability, customer value propositions, and balance sheet growth across current accounts, savings accounts, and term deposits. Lead and successfully deliver strategic initiatives and cross-functional projects that enhance customer experience, strengthen market competitiveness, improve operational efficiency, and support the department’s funding and business goals.3
Dimensions
Target/ portfolio size
Budget numbers assigned for the year for PB and MG
Number of Staff
1
Capital Exp. Budget
As per overall segment budget
Other
Full time work from home role aligned to the organization office hours.
4
Key Result Areas
Support the Head of Product & Proposition in executing the Retail Liabilities strategy and achieving business and portfolio objectives.
Monitor portfolio performance, profitability, customer behaviour, and market developments to identify growth opportunities and recommend actions.
Develop and implement product enhancements, pricing strategies, and customer value propositions to drive acquisition, retention, and balances growth with a digital first mindset.
Lead and successfully deliver strategic initiatives, product launches, digitization programs, and transformation projects.
Collaborate closely with stakeholders across business, technology, operations, risk, finance, compliance, and marketing to ensure effective execution.
Leverage data and customer insights to optimize product performance and support data-driven decision-making.
Ensure compliance with regulatory, governance, and risk management requirements.
Contribute to achieving the department's balance sheet, funding, revenue, and customer growth objectives while enhancing overall portfolio value.
5Operating Environment, Framework and Boundaries, Working Relationships
Branches, Wealth Management unit, DBC, Governance, Compliance, Marketing and Finance
Work closely with Product teams and other stakeholders to manage and deliver the segment KPI
Driving customer experience/engagement programs and events, tactical promotion to increase the client engagement for both the segment
Interface with distribution, relationship managers, alternate channels, DBC, ops, BIU, legal and compliance
Within the business – sales teams, process units
Ensure compliance of policies and procedures within the bank
6
Problem Solving
Ability to understand and take value decisions, which encompass diverse banking products, process and transactions
Ability to identify risks which may not be apparent and ensure that it is escalated as per process
Judgment is also exercised in interpretation of environmental parameters that govern the strategy and direction of the relevant portfolio and segment
Ability to maintain audit preparedness
Carry out independent market intelligence function as an ongoing program throughout the year
7
Decision Making Authority & Responsibility
As per delegation from business head
Ensure business continuity
8
Knowledge, Skills and Experience
Minimum 5+ years of experience in banking, wealth management, product management, including at least 2-3 years in a similar leadership role.
Strong understanding of banking product management, with experience in deposit and liability products preferred; exposure to digital banking environments is an advantage.
Graduate or equivalent professional qualification from a recognized institution.
Proven ability to work effectively in cross-functional teams and build strong relationships with stakeholders across the organization and external partners.
Strong analytical and problem-solving skills, with the ability to identify growth opportunities, develop data-driven insights, and support revenue enhancement initiatives.
Ability to plan, organize, and continuously improve customer experience and service delivery across channels.
Previous experience working on a full time virtual environment will be an added advantage
Job Holder
Date
Line Manager
Date
Approved By
Date
About Mashreq
Mashreq is a financial services organization that provides trade finance solutions to commercial customers across multiple business segments including Corporate and Investment Banking Group (CIBG), Retail Banking Group (RBG), and International Banking Group (IBG).
The bank specializes in export finance, export payments, letters of credit, collections, and commodity trade operations, adhering to international practices and ICC publications.
Mashreq operates across the UAE with a multi-disciplinary, multi-cultural workforce and maintains competitive service standards across financial and non-financial processes.
The organization is focused on trade-based compliance, sanction checking, and ensuring quality service delivery while maintaining adherence to global regulatory requirements and anti-money laundering standards.
Financial Services
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