Product Manager Digital Onboarding and Activation

Raqami Islamic Digital Bank Ltd. · Karachi, Karachi District; Sindh, Pakistan

Job Title: Product Manager Digital Onboarding and Activation

Department: Retail Banking

Job Overview
To lead the development, management, and optimization of the Bank's digital onboarding and customer activation journeys by delivering seamless, secure, and customer-centric account opening experiences. The role is responsible for driving onboarding conversion, activation, funding, first transaction, and early customer engagement metrics while ensuring compliance with regulatory requirements, Shariah principles, and the Bank's digital-first strategy.

Key Responsibilities

• Manage and optimize the Bank's digital onboarding and activation journeys
• Define and execute the onboarding product roadmap and enhancement strategy
• Own customer journeys covering account opening, e-KYC, customer verification, activation, funding, and first transaction
• Monitor onboarding funnel performance and identify customer drop-off points
• Drive activation initiatives focused on first funding and first transaction
• Collaborate with Design teams to improve onboarding usability and customer journeys
• Work closely with Operations to streamline onboarding processes and turnaround times
• Coordinate with Technology teams to implement and automate onboarding capabilities
• Define business requirements, user stories, and functional specifications
• Monitor onboarding KPIs including approval rates, activation rates, funding rates, and customer acquisition costs
• Conduct customer research, journey reviews, and competitor benchmarking exercises
• Support development of digital identity verification, biometric verification, and customer due diligence capabilities
• Lead User Acceptance Testing (UAT), business validation, and release activities
• Work with Performance & Growth teams to improve onboarding conversions and acquisition outcomes
• Collaborate with Product Managers across Retail Banking products to improve activation and product adoption
• Ensure onboarding journeys comply with SBP regulations, AML/CFT requirements, Consumer Protection Frameworks, and Shariah principles
• Prepare onboarding performance reports, dashboards, and management presentations
• Drive continuous improvement initiatives to reduce onboarding turnaround times and customer friction
• Liaise with the Customer Experience (CX) team to monitor customer feedback, identify pain points, and implement improvements across customer journeys and service touchpoints

Experience Required

• Minimum 5–8 years of experience in: Digital Banking, Product Management, Digital Onboarding, Customer Acquisition, Fintech, Retail Banking, Customer Experience.
• Experience managing onboarding journeys, customer activation programs, and digital acquisition channels is preferred.

• Experience in Islamic Banking will be an added advantage.

Educational Background Required

• Bachelor's degree in Business Administration, Finance, Computer Science, Information Systems, Engineering, or related discipline. MBA or relevant postgraduate qualification preferred.

Skills & Competencies

• Digital Onboarding & Activation
• Customer Acquisition & Conversion
• Product Management
• Customer Journey Design
• Digital Banking Solutions
• Agile & Scrum Methodologies
• Business Analysis & Requirements Gathering
• Product Analytics & KPI Management
• User Acceptance Testing (UAT)
• Process Optimization & Automation
• Customer Experience Management
• Stakeholder Management
• Regulatory & Compliance Awareness

Raqami Bank is an equal opportunity employer. We welcome applications from all qualified individuals, including Persons with Disabilities (PWDs), and are committed to fostering an inclusive workplace where everyone has the opportunity to succeed.

Last date to apply: October 16, 2026.