Product Manager

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 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., 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.