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.