Head of Product - Fintech

Job Summary: Creative Chaos is actively seeking Head of Product for a leadership role combining product strategy, technical execution, and client engagement. This is not a purely technical role. You’ll be equally focused on business and stakeholder success(understanding client needs, driving implementations, enabling revenue) and internal product leadership (shaping roadmaps, managing engineering alignment).

Job Responsibilities:

Product Strategy & Execution

Lead the full lifecycle of product development for:
Mass Transit Tap-and-Pay systems (contactless, NFC, QR, card acquiring)
Telco Credit Top-Up / Airtime Distribution systems (multi-operator, agent-based, real-time)
Digital Wallet and Payment Integration (API orchestration, reconciliation, compliance)
Define and evolve product vision, roadmap, and KPIs.
Translate market and client needs into clear technical specifications and execution plans.
Work closely with engineering and design to ship robust, scalable, user-friendly products.

Client Engagement & Business Alignment

Act as product partner to key clients — telcos, banks, transit authorities.
Lead the requirements gathering, solutioning, and implementation oversight with enterprise clients.
Serve as Engagement Manager: from onboarding through live operations.
Collaborate with sales to design client proposals and commercial packages.
Ensure product development aligns tightly with revenue, retention, and market expansion goals.

Technical Depth

Own the product-technical interface — work closely with engineering leads on architecture trade-offs, scalability, API orchestration, and backend/platform roadmap.
Participate in design reviews, sprint planning, and QA cycles for mission-critical components.
Understand protocols across telco APIs, payment rails (EMV, ISO8583), SIM/USSD channels, and digital identity layers.
Strong technical background (CS degree or equivalent experience); able to engage in architectural and integration-level discussions.
8+ years in product, delivery, or solutions roles with a proven track record of client-facing leadership.
At least 3 years in fintech, payments, or telco-focused companies.
Experience in wallets, airtime/VAS systems, top-up distribution, and/or transit payment infrastructure.
Demonstrated ability to manage complex client engagements — including discovery, product design, delivery, and support.
Strong commercial acumen — understands product P&L, pricing, GTM, and monetization mechanics.
Experience building or integrating:
Digital Wallets
Offline-first payment solutions
Contactless NFC or EMV-based systems
Prior leadership experience at a high-growth startup or in emerging markets

Key Traits

Polymath: blends product thinking, technical acumen, and business strategy.
Executive presence with the ability to lead multi-stakeholder conversations.
High agency, resourceful, and thrives in fast-moving environments.
Exceptional communication — equally effective with clients, devs, and partners.
Ownership mindset with a focus on outcomes over optics.

Details

Location

Pakistan Karachi, Pakistan Sindh, Pakistan

Experience

Min. 8 years

Job Responsibilities:

Product Strategy & Execution

Lead the full lifecycle of product development for:
Mass Transit Tap-and-Pay systems (contactless, NFC, QR, card acquiring)
Telco Credit Top-Up / Airtime Distribution systems (multi-operator, agent-based, real-time)
Digital Wallet and Payment Integration (API orchestration, reconciliation, compliance)
Define and evolve product vision, roadmap, and KPIs.
Translate market and client needs into clear technical specifications and execution plans.
Work closely with engineering and design to ship robust, scalable, user-friendly products.

Client Engagement & Business Alignment

Act as product partner to key clients — telcos, banks, transit authorities.
Lead the requirements gathering, solutioning, and implementation oversight with enterprise clients.
Serve as Engagement Manager: from onboarding through live operations.
Collaborate with sales to design client proposals and commercial packages.
Ensure product development aligns tightly with revenue, retention, and market expansion goals.

Technical Depth

Own the product-technical interface — work closely with engineering leads on architecture trade-offs, scalability, API orchestration, and backend/platform roadmap.
Participate in design reviews, sprint planning, and QA cycles for mission-critical components.
Understand protocols across telco APIs, payment rails (EMV, ISO8583), SIM/USSD channels, and digital identity layers.
Strong technical background (CS degree or equivalent experience); able to engage in architectural and integration-level discussions.
8+ years in product, delivery, or solutions roles with a proven track record of client-facing leadership.
At least 3 years in fintech, payments, or telco-focused companies.
Experience in wallets, airtime/VAS systems, top-up distribution, and/or transit payment infrastructure.
Demonstrated ability to manage complex client engagements — including discovery, product design, delivery, and support.
Strong commercial acumen — understands product P&L, pricing, GTM, and monetization mechanics.
Experience building or integrating:
Digital Wallets
Offline-first payment solutions
Contactless NFC or EMV-based systems
Prior leadership experience at a high-growth startup or in emerging markets

Key Traits

Polymath: blends product thinking, technical acumen, and business strategy.
Executive presence with the ability to lead multi-stakeholder conversations.
High agency, resourceful, and thrives in fast-moving environments.
Exceptional communication — equally effective with clients, devs, and partners.
Ownership mindset with a focus on outcomes over optics.