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

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