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Product Manager

PalmPayIslamabad, Islamabad Capital Territory, Pakistan

8 hours ago

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’ Africa’s 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 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

Experience

Mandatory Requirements

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., SBP’s 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

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Product Manager • Islamabad, Islamabad Capital Territory, Pakistan