{"id":2340067,"url":"https://alion.io/job/hugobank-product-manager-cards","title":"Product Manager - Cards","company":{"id":679180,"name":"HugoBank","domain":"hugobank.com.pk","url":"https://alion.io/company/hugobank","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":null},"role":"Product","role_family":"Product","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Karachi, Pakistan"],"countries":["PK"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":18000,"max_usd":51000,"period":"year","method":null,"sample_n":9319},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Agile","optional":false},{"name":"Tokenization","optional":false}],"status":"closed","first_seen_at":"2026-10-12T11:09:07Z","employer_posted_date":"2026-10-12","last_verified_at":"2026-10-20T14:37:42Z","board_verified":false,"closed_at":"2026-10-20T14:37:42Z","days_open":8,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":8},"description":"The Product Manger - Cards will be responsible for developing, managing, and scaling HugoBank’s Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank’s credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank’s broader mission.\nEssential Duties and Responsibilities\nProduct Strategy & Proposition Development\nDefine and execute the end-to-end product strategy for HugoBank’s Credit Card portfolio including secured and unsecured variants aligned with the bank’s financial inclusion and lending-first vision.\nDevelop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users.\nConduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan.\nCreate and maintain the Credit Card Product Roadmap, ensuring alignment with the bank’s overall product evolution and regulatory milestones.\nCollaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential.\nProduct Design, Development & Implementation\nTranslate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines.\nDevelop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.\nCoordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management.\nSupport testing, UAT, and post-launch monitoring to ensure seamless product rollout.\nRegularly review customer journeys and feedback to identify friction points and propose design enhancements.\nContribute to the long-term evolution of the bank’s credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements.\nSupport the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.\nAssist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank’s strategic ecosystem.\nStay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives.\nPortfolio Management & Performance Optimization\nMonitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability.\nDrive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data.\nDevelop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history.\nMaintain the product P&L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers.\nBuild and execute campaigns and offers that drive product stickiness and long-term engagement.\nMap and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.\nGovernance, Risk & Compliance\nEnsure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies.\nWork with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals.\nCoordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks.\nConduct periodic risk reviews to identify control gaps and implement corrective actions.\nCross-Functional Collaboration & Stakeholder Management\nAct as the primary product liaison across internal functions - Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience.\nEngage with external partners to ensure seamless delivery and innovation.\nPartner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies.\nSecondary Responsibilities\nParticipate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective.\nLiaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes.\nCoordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts.\nContribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards.\nEnsure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release.\nRequirements\nBachelor’s degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory\n6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments.\nProven track record of developing and managing credit card products including secured, unsecured, and co-branded variants.\nDemonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization.\nExposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments.\nHands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent).\nExperience working in banks, fintech, or card-issuing institutions will be preferred.","description_format":"text","description_chars":5945,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Digital Banks & Neobanks"],"lifecycle":[{"event":"open","at":"2026-10-12T11:09:07Z"},{"event":"close","at":"2026-10-20T14:37:42Z"}],"visa":[],"liveness":null,"pay":null,"html_url":"https://alion.io/job/hugobank-product-manager-cards","json_url":"https://alion.io/job/hugobank-product-manager-cards.json","meta":{"generated_at":"2026-10-23T08:25:22Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":13489,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-24T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":679180},"rest":"https://alion.io/mcp/rest/get_company?id=679180"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fhugobank-product-manager-cards"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fhugobank-product-manager-cards"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fhugobank-product-manager-cards"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/hugobank-product-manager-cards\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fhugobank-product-manager-cards"}]}