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Senior Product Owner – Portfolio and Proposition (Mashreq Bank of Pakistan)

Mashreq Bank

Pakistan
Full-time
Salary not listedPosted 1mo ago

Real job — pulled straight from Mashreq Bank’s careers page · Verified September 23, 2026 · No reposts.

Job description

Mashreq Bank is hiring a Senior Product Owner – Portfolio and Proposition (Mashreq Bank of Pakistan) — a full-time, based in Pakistan role. Apply directly on Mashreq Bank's careers page below.

Senior Product Owner – Portfolio and Proposition (Mashreq Bank of Pakistan)

Location: Pakistan

Product Strategy & Development

  • Define and execute the strategy for deposit products and Propositions aligned banks strategy
  • Identify market trends, customer needs, and competitive offerings to have product innovation
  • Develop new deposit products or enhance existing ones to improve customer value and profitability

 Portfolio optimization

- Monitor and manage product-level profitability, including margins and fee income,

- Prepare financial forecasts and performance analyses to optimize pricing strategies and interest/profit rate structures 

Customer Experience & Engagement

  • Ensure deposit products meet customer needs and deliver a seamless experience 
  • Collaborate with marketing and customer service teams to promote products and gather feedback.
  • Address customer complaints and satisfaction metrics 

Enhance Customer Value Proposition (CVP)

  • Design and refine CVPs for different customer segments through product bundling 
  • Benchmark against competitors to ensure the bank’s offerings are differentiated and relevant.
  • Align product features, pricing, and service with the defined CVP
  • Collaborate with marketing and sales to communicate the CVP effectively
  • Cross Squad collaboration to deliver CVP for the segment

Risk & Compliance Oversight

- Ensure deposit products comply with regulatory requirements and internal policies

- Manage operational, financial, and model risks associated with deposit products 

Market & Competitive Analysis

- Conduct ongoing research to benchmark against competitors. 

- Adjust product features or pricing in response to market shifts

 

 

 

Launch of Segmental CVPs

  • Launch Retailers, Freelancers, Schools, Software house, Agri, Women entrepreneurs CVPs

  • Ownership of liability products to support sub segmental CVPs

 

Driving customer growth through engagement 

  • Handhold consumer journey from acquisition to retention and growth

  • Develop and execute lifecycle strategies to increase engagement, stickiness and extend customer lifetime value through loyalty programs, behavior driving tactical campaign, community banking

  • Monitor customer behavior and usage patterns to trigger timely interventions with timely upsell and win-back campaigns

  • Collaborate with analytics to develop segmental propensity models around attrition and deepening

  • Roll out rules for automating personalize lifecycle communications 

  • Data-driven decision-making: Use analytics to inform strategies and measure impact

 

Cross-Sell Strategy and Deepening

- Enhance PPC engaging customers to adopt additional products such as booking, payroll, saving spaces, lending etc.

- Identify cross-sell opportunities using data analytics and customer insights

- Develop bundled offerings or incentives to encourage multi-product adoption

- Ensure effective digital cross-selling as per the customer behavior and needs

- Track cross-sell performance metrics and optimize campaigns based on results

- Ensure a seamless digital experience for new products crossell

 

Cross-Functional Collaboration

  • Work with IT, operations, compliance, legal, and marketing to launch and maintain products.

  • Lead cross-functional teams to implement product changes or new initiatives

 

 

  1. Bachelor's degree in business, finance, marketing, or a related field. An MBA or other relevant postgraduate degree is preferred.

  2. Minimum 8 years of product, portfolio and lifecycle management

  3. Excellent negotiation, communication, and interpersonal skills, with the ability to work collaboratively with external partners and cross-functional teams.

  4. Strong analytical and problem-solving skills, with the ability to make data-driven decisions.

  5. In-depth knowledge of digital banking trends, technologies, and customer behaviors

  6. Knowledge of regulatory requirements and industry best practices 

Ability to work in a fast-paced, dynamic environment with a high degree of flexibility and adaptability

 

 

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Frequently asked questions

How do I apply for Senior Product Owner – Portfolio and Proposition (Mashreq Bank of Pakistan) at Mashreq Bank?

You can view the full description and apply for Senior Product Owner – Portfolio and Proposition (Mashreq Bank of Pakistan) at Mashreq Bank on EchoJobs: https://echojobs.io/job/mashreq-bank-senior-product-owner-portfolio-and-proposition-mashreq-bank-of-pakistan-8r1jc.