{"id":800551,"url":"https://alion.io/job/hugobank-products-lead-liability","title":"Products Lead - Liability","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":"lead","employment_type":null,"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":23000,"max_usd":55000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":1783},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2025-12-19T00:00:00Z","employer_posted_date":"2025-12-19","last_verified_at":"2026-10-30T10:28:36Z","board_verified":true,"closed_at":null,"days_open":315,"trust":{"level":"ok","repost_count":0,"flags":[],"days_open":314},"description":"The Product Lead Liabilities will play a pivotal role in shaping HugoBank’s next-generation liability propositions, going beyond traditional deposit products to build digitally-led, value-creating financial experiences. The role will focus on designing innovative product offerings, bundled experiences, and ecosystem-led propositions that deepen engagement, improve financial wellbeing and add to long-term customer lifetime value.The incumbent will lead end-to-end development of scalable, compliant, and customer-centric propositions that strengthen HugoBank’s market positioning and contribute to sustainable business growth.\nEssential Duties and Responsibilities\nProduct Proposition & Strategy\nOwn and evolve a dynamic product roadmap that balances innovation, customer value and business goals with regulatory requirements.\nDevelop a forward-looking product strategy covering deposits, savings, transactional accounts, and value-added propositions across retail and SME segments.\nDesign innovative, digitally-led savings and cash-management experiences that drive engagement, stickiness, and long-term customer value.\nAlign liability strategy with the Bank’s financial inclusion, growth, and balance-sheet objectives.\nProduct Development & Lifecycle Management\nLead end-to-end product development from ideation, business case creation, regulatory alignment, journey design, testing, launch, and continuous enhancement.\nTranslate ideas into structured PIDs/PRDs ensuring clear documentation for Technology and Dev teams.\nConduct ongoing competitive benchmarking and market analysis to identify opportunities, gaps, and innovation potential in the liability space.\nWork with research and analytics teams to derive insights from customer behaviour, translating findings into product enhancements.\nProcess Optimization\nRe-engineer end-to-end liability product processes to create frictionless, intuitive customer experiences across onboarding, account opening, deposits, savings, pots/pockets, and ongoing account management.\nDrive digital-first process innovation, leveraging automation, AI-driven workflows, and intelligent orchestration to reduce turnaround times, minimize manual interventions, and improve operational resilience.\nDesign and embed progressive customer journeys enhance engagement and retention.\nContinuously assess performance, identify bottlenecks, and introduce scalable enhancements that balance speed, compliance, risk controls, and superior UX.\nTechnical & Analytical Collaboration\nWork closely with Technology, Data, Risk, and Operations teams to translate product strategy into robust requirements ensuring scalable, modular, and future-ready liability platforms.\nCollaborate with the Data Team ( I.e. Analytics to build data-driven insights on customer behavior, deposit trends, liquidity patterns, and savings engagement to inform product evolution and personalization.\nDefine and oversee product parameterization within Core Banking and supporting platforms to ensure seamless execution, reliability, and control across journeys.\nRisk, Compliance & Operations\nEnsure liability propositions, pricing frameworks, customer journeys, and operational processes comply with SBP regulations, AML/CFT requirements, and consumer protection standards.\nCollaborate with Risk, Compliance, Operations functions to embed preventive controls, transaction monitoring safeguards, and customer trust features within liability products.\nProactively identify emerging regulatory shifts and operational risks, aligning product design with governance and operational excellence.\nBalance innovation with prudence by designing liability solutions that are secure, compliant and future-ready.\nCross-Functional Leadership\nLead and influence cross-functional squads including Tech, Risk, Compliance, Finance, Operations, Data to design, launch, and scale liability propositions and features.\nDrive alignment between product strategy, profitability objectives, and customer experience to ensure liability products are regulatory compliant, innovative, and commercially viable.\nAct as the central point of accountability for product delivery, ensuring clear ownership, timely execution, and effective communication across internal and external stakeholders.\nPartner closely with senior leadership and governance forums to secure approvals, manage dependencies, and ensure strategic consistency across the bank’s liability portfolio.\nSecondary Responsibilities\nIdeate and develop new liability propositions beyond traditional CA/SA, including savings innovations, goal-based products, liquidity optimization tools, embedded banking use-cases, and ecosystem partnerships.\nContribute to new business models and revenue streams, including fee-based offerings, subscription banking, bundled propositions, and cross-sell enablement with Lending, Payments, and Wealth products.\nAssist in developing customer education and financial literacy initiatives, ensuring liability propositions support inclusion, trust-building, and responsible banking behavior.\nProvide inputs for strategic presentations, Board/ExCo updates, and regulatory submissions, ensuring clarity, compliance, and product vision alignment.\nSupport marketing, growth, and lifecycle teams in designing campaigns, acquisition strategies, retention initiatives, and customer engagement journeys linked to liability products.\nParticipate in vendor engagements, evaluations, and partnership discussions, particularly where third-party platforms, fintech enablement, or technology capabilities support liability innovation.\nContribute to establishing a continuous improvement culture, identifying opportunities to enhance processes, digital journeys, UI/UX, and operational scalability.\nRequirements\nBachelor’s degree in Business, Finance, Economics, Engineering, Computer Science, or related discipline.\nStrong academic grounding in product management, financial services, or digital transformation is an advantage.\n6-8 years of experience in Branch Banking, Digital Banking or Fintech, with significant exposure to liability products or deposit-led propositions.\nProven experience in conceptualizing, launching, and scaling digital financial products (liabilities, savings, transactional banking, ecosystem financial services, or innovative value-store propositions).\nExperience in working with technology, data, compliance, and operations teams to build scalable digital banking products.\nDemonstrated ability to work within regulated financial environments, preferably with exposure to SBP regulatory frameworks.\nExperience with customer insights, portfolio management, and performance optimization of deposit or customer engagement 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