Product Manager - SME

Job Grade: AVP

Reports to: Head SME

Location: Head Office, Islamabad

Job Purpose

To lead the design, development, and management of innovative and competitive SME product offerings that drive business growth, improve customer experience, and align with risk and regulatory requirements.

Key Responsibilities

• Develop and continuously refine a portfolio of SME banking products, including loans, working capital, trade, and cash solutions, with a focus on digital enablement and customer-centric design.
• Conduct market research to identify customer needs, industry trends, and opportunities for digital innovation and competitive differentiation.
• Lead end-to-end product development from concept to launch, incorporating digital journeys, automation, and ongoing enhancements.
• Collaborate with Credit, Risk, Compliance, and Legal teams to ensure strong risk management and full regulatory alignment.
• Ensure all products comply with applicable regulatory requirements and internal policies.
• Design pricing strategies and financial models to support product viability, profitability, and scalable digital growth.
• Work closely with IT and Digital teams to drive product digitalisation, system integration, and process automation.
• Partner with Distribution, Branches, and Relationship Managers to execute go-to-market strategies across physical and digital channels.
• Provide training, tools, and digital platforms to enable sales teams for effective product positioning and delivery.
• Monitor product performance, track KPIs (including digital adoption), and recommend improvements based on data insights.
• Gather customer feedback and digital usage insights to enhance products, user experience, and processes.
• Coordinate with Treasury, Operations, Technology, and Digital teams to ensure seamless, efficient, and digitally integrated product delivery.
• Any other task assigned

Job Requirements

• Bachelor’s / Master’s in Business, Finance, Economics, or related field.
• Professional certifications in banking, product management, or risk (preferred).
• 5–7 years of experience in SME product development or commercial banking product roles

Essential Skills

• Strong knowledge of SME banking products and services
• Market and competitive analysis capability
• Product pricing and financial modelling
• Cross-department collaboration and stakeholder influence
• Customer-centric product design mindset
• Data-driven decision making and KPI monitoring
• Excellent communication and presentation skills

About Mobilink Bank

Mobilink Bank is providing banking services to over 64.22 million registered users including 21 million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 132 branches and 324,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan instalments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion. Mobilink Bank is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.

Why Join Mobilink Bank?

This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavour.