OVERVIEW: HRSI is conducting an executive search on behalf of a leading global bank in Pakistan. The Head of Retail leads the growth and success of the bank's retail digital banking unit. You will own multiple P&Ls across a fully functional digital bank spanning strategy, products, client experience, distribution ecosystems, risk management, data analytics, digital channels, and Pakistan's national cash digitization agenda.

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

KEY RESPONSIBILITIES:

Digital banking

• Grow the retail digital portfolio
• Build and manage digital channels & apps
• Develop P.A.A.S and B.A.S.S strategy
• Lead product owners & software teams
• Manage fintech partnerships

Business management

• Own P&L: deposits, lending, payments, wealth
• Drive ROI across product streams
• Implement credit, fraud & cyber risk frameworks

Customer experience

• Enhance digital servicing capabilities
• Ensure secure, user-friendly channels
• Deploy AI, robotics & process automation

Data & marketing

• Oversee data engineering & analytics
• Drive data-informed product decisions
• Lead integrated marketing campaigns

CORE COMPETENCIES:

• Digital platform leadership - Deep expertise in building and scaling consumer digital banking products and ecosystems
• P&L ownership - Proven track record managing multiproduct P&Ls in a competitive retail banking environment
• Executive leadership - Ability to inspire and direct large cross functional teams through complex transformation
• Risk & compliance - Strong command of credit, fraud, cybersecurity, and regulatory risk management frameworks
• Data-driven strategy - Leverages cognitive analytics and data engineering to inform decisions and product direction
• Innovation & vision - Passion for fintech, AI adoption, and
  advancing Pakistan's national cash digitization agenda

SKILLS & QUALIFICATIONS:

• Education Bachelor's or Master's in Business Administration, Marketing, or related field
• Experience Minimum 18 years in digital retail banking; at least 5 years in senior management
• Technical Strong command of digital banking technologies, platforms, and infrastructure
• Leadership Proven record leading large cross-functional teams across a digital bank
  

Only shortlisted candidates will be contacted
www.hrs-int.com