Product Manager Payments

Opportunity Information

The Role

Raqami Islamic Digital Bank is hiring a Product Manager- Payments to own and grow the Bank's digital payments proposition, including Raast, QR payments, IBFT, utility bill payments, mobile top-ups and fee collections.

•Develop and execute the payments product strategy and roadmap across Raast, QR Payments, IBFT, Bill Payments, Mobile Top-ups and Collections •Own the Payments business P&L, including transaction volumes, fee and commission income, and related switch/ aggregator costs within the approved budget •Own the end-to-end product lifecycle, including business cases, product requirements, UAT, go-live and post-launch reviews •Lead integrations with Raast, 1LINK, billers, aggregators, payment gateways and fintech partners in coordination with Technology teams •Design seamless digital payment journeys, transaction flows, alerts, limits and failed transaction handling mechanisms •Expand merchant, biller, QR and collection partner coverage to increase transaction volumes and customer adoption •Develop pricing strategies and business cases in collaboration with Finance and monitor revenue, costs and profitability against budget •Manage relationships, commercial arrangements and SLAs with 1LINK, aggregators, payment gateways and fintech partners •Ensure compliance with SBP regulations, Raast/ 1LINK operating rules and Shariah guidelines while implementing fraud controls with Risk and Information Security teams •Monitor payment success rates, uptime, customer complaints, reconciliation breaks and operational performance, driving root-cause resolution where required •Track and report key payments KPIs including active payers, transaction volume, transaction value, revenue, profitability and customer adoption metrics

Applicants General Eligibility & Requirements

Education, Experience and Skills Requirements