Product Manager
Product Manager
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Job Description
About PalmPay
PalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over 40 million users we are building a digital financial ecosystem that empowers individuals and businesses through accessible easy-to-use and rewarding financial services.
Operating in Nigeria Ghana Tanzania Bangladesh and Pakistan PalmPay has been recognised by CNBC as one of the Top 300 Global Fintech Companies and ranked #2 overall and #1 in financial services on the Financial Times Africas Fastest Growing Companies 2025 list.
Position Overview
We are seeking a Product Manager for our Pakistan business who will focus on designing implementing and managing financial products with end-to-end regulatory compliance. This role requires a strong understanding of SBP SECP and AML regulations as well as experience embedding risk controls into products. The ideal candidate has hands-on experience in fintech banking or consumer installment financing and a track record of leading compliance-driven product launches in Pakistan.
Core Responsibilities
Compliance Framework Development
Design product requirements in alignment with SBP SECP and Anti-Money Laundering Act regulations.
Lead product compliance reviews covering user data privacy (PDPA) Shariah compliance and anti-fraud measures.
Embedding Risk Control into Products
Translate compliance requirements into product features such as KYC flows repayment algorithms and fee disclosure templates.
Coordinate with product and tech teams in China to implement features.
Monitor regulatory policy changes (e.g. BNPL regulations) and adapt product strategies accordingly.
Local Compliance Collaboration
Liaise with law firms consulting agencies and SBP-accredited bodies for licensing audits and reporting.
Train business teams to identify high-risk scenarios (e.g. promotions during religious periods remote-region collections).
Mandatory Requirements
Experience
4 years of product compliance experience in fintech banking or consumer installment financing.
Experience in the Pakistani financial market is strongly preferred.
Must have led or participated in at least one full financial product compliance launch (case summary required).
Professional Knowledge
Familiarity with:
SBP Consumer Protection Regulations
Credit Information Bureau (CIB) reporting rules
Shariah Compliance framework
Language
Fluent in English (working language).
Proficiency in Urdu is a plus.
Soft Skills
Risk Sensitivity: Ability to anticipate regulatory grey areas (e.g. interest-free promotions during religious festivals).
Local Insight: Knowledge of user segmentation in Pakistan (e.g. repayment cycles for agricultural income groups).
Resilience: Adaptability to fast-changing regulations (e.g. SBPs tightened BNPL policy in 2024).
Compensation & Benefits
Competitive salary with annual performance-based reviews.
Festival bonuses and mobile/internet allowance.
Opportunity to lead compliance-driven product development at a multinational fintech.
Required Experience:
IC
Employment Type
Full-Time
