HEAD OF RETAIL BANKING

OVERVIEW: HRSI is conducting an executive search on behalf of a leading global bank in Pakistan. Scope of work included end-toend ownership of the Banks entire Retail Banking franchise including traditional retail digital retail digital SME Payments/Digital Cards & CCPL and ecosystem-led revenue streams. Build and scale a product-led digital-first retail and SME banking business strengthening deposits payments lending card profitability merchant solutions and embedded finance in alignment with the Banks overall retail strategy.

The organization is an equal opportunity employer committed to fostering diversity and inclusion across all levels of our organization.

KEY RESPONSIBILITIES:

Business Ownership P&L & Growth Strategy

• Own the entire Retail Banking P&L
• Drive revenue through digital monetization levers card/payments unit economics cross-sell SME/merchant revenue streams and portfolio optimization.
• Define and execute a unified growth strategy

Growth Engine Leadership

• Build and optimize digital funnels across digital and
  traditional baking.
• Deploy growth loops referral engines merchant funnels viral mechanics and performance marketing.
• Deep R&D and execute unique ideas and reduce CAC

Digital Sales & Distributions Excellence

• Translate branch-banking expertise into scalable
  digital sales engines.
• Drive deposit growth and cross-sell across the app.
• Oversee digital stack supporting retail SME payments cards merchant acceptance.

Product Technology & Integrations

• Work with Product and Engineering teams using agile squads sprints and MVP-to-scale delivery.
• Enable eKYC biometrics real-time risk scoring and instant account activation.

CORE COMPETENCIES:

• Customer Insights - Understand regional nuances customer psychology and competitive local dynamics
• Payment & Eco-System - Lead payments strategy across digital solutions. Build ecosystem partnerships with apps & platforms.
• Leadership & Culture -Build teams blending banking expertise with tech-startup and mindset of a global digital bank.
• Frameworks - Strong commands over digital tech risk. Operates within SBP regulated frameworks.
• Problem Solving - Address revenue leakage funnel drop-offs and CAC inefficiencies. Resolve growth & portfolio performance challenges.
• Decision Making - Full authority over Retail Banking strategy growth roadmap and product priorities. Ownership of Retail Banking P&L revenue

SKILLS & QUALIFICATIONS:

• Education Bachelors degree in Business Finance Economics or related field (MBA preferred).
• Experience 15 years of experience in Retail Banking with senior leadership exposure in sales and distribution at a leading bank in Pakistan.
• Expertise Proven success in digital acquisition growth funnels CAC/LTV activation and retention. Proven record leading large cross-functional teams across a digital bank. Strong commercial
  acumen and portfolio monetization expertise. Proven track record of delivering strong P&L outcomes.

Only shortlisted candidates will be contacted
Application Deadline: 28th June 2026