Hejaz is an established Islamic financial services provider dedicated to empowering Muslim and values-driven investors through a comprehensive financial ecosystem and innovative fintech solutions. Through services such as investments (managed funds and ETFs), property financing, and digital solutions. We help individuals and families grow their wealth while building a better future aligned with their faith and principles.

As we continue to expand globally, we’re looking for talented professionals to join us in shaping the future of Sharia-compliant finance

This role will lead the strategy, development, launch and commercial performance of Hejaz’s global financial products, covering payments, fintech solutions and Shariah-compliant investment funds.

The role will have end-to-end ownership of the financial product portfolio, from identifying market opportunities and building business cases through to development, regulatory approval, launch and ongoing improvement. The role will work closely with the Group CEO and lead collaboration across technology, investments, operations, compliance and licensing teams, as well as external partners.

Product Strategy and Roadmap

• Develop and execute the global financial product strategy and roadmap, aligned with Group priorities.
• Identify market opportunities across payments, fintech and investment funds in Hejaz’s current and target markets.
• Prioritise product initiatives based on commercial potential, customer need, regulatory feasibility and available resources.
• Monitor competitor activity, market trends and regulatory developments that could affect the product portfolio.
• Provide the Group CEO with clear recommendations on which products to build, partner on, improve or discontinue.

Product Lifecycle Management

• Manage the full product lifecycle, from market research and business cases to development, launch and ongoing improvement.
• Prepare business cases covering market size, customer demand, revenue model, costs, risks and expected returns.
• Define product requirements and work with technology teams to deliver products on time and within budget.
• Plan and coordinate product launches, including go-to-market readiness, operational processes and customer support.
• Review product performance after launch and lead improvements based on customer feedback and data.
• Recommend product changes or closure when performance does not justify continued investment.

Payments and Fintech Solutions

• Lead the development of payment products, digital wallets and fintech solutions.
• Oversee integrations with banks, payment providers, card schemes and technology platforms.
• Ensure payment products are secure, reliable and designed with a strong customer experience.
• Work with technology and operations teams to manage transaction processing, settlement and reconciliation requirements.
• Ensure fraud, anti-money laundering and counter-terrorism financing (AML/CTF) controls are built into product design.

Shariah-Compliant Investment Funds

• Lead the development and structuring of new Shariah-compliant investment funds in collaboration with the investments team.
• Work with Shariah advisers to ensure all products receive the required Shariah approval before launch and remain compliant on an ongoing basis.
• Coordinate with fund administrators, custodians, responsible entities, trustees and other fund service providers, where required.
• Support fund distribution strategies across direct, adviser and platform channels.
• Monitor fund performance, flows and investor feedback to inform product improvements.

Strategic Partnerships

• Establish strategic partnerships with banks, payment providers, technology platforms and investment fund service providers, where required.
• Evaluate potential partners based on capability, cost, risk, regulatory standing and alignment with Shariah principles.
• Lead commercial negotiations and ensure partnership agreements have clear deliverables, service levels and exit provisions.
• Manage ongoing partner performance and address issues quickly.
• Work with legal and procurement teams on due diligence and contract review.

Regulatory, Shariah and Risk Management

• Lead collaboration across technology, investments, operations, compliance and licensing teams, ensuring required approvals are obtained before launch.
• Ensure products meet the licensing and regulatory requirements of each market in which they are offered.
• Work with compliance and legal teams to manage product disclosure documents, terms and conditions and customer communications.
• Identify and manage product risks, including operational, financial, regulatory, reputational and Shariah compliance risks.
• Ensure products are designed and distributed in a way that delivers fair outcomes for customers.
• Escalate material risks and compliance issues to the Group CEO promptly.

Leadership and Cross-Functional Collaboration

• Lead and develop the financial products team, setting clear responsibilities and performance expectations.
• Manage multidisciplinary project teams across product, technology, investments, operations and compliance.
• Work closely with marketing, sales and customer support teams to ensure successful product adoption.
• Create a culture of ownership, accountability and continuous improvement.
• Recommend new hires only when workload and commercial opportunity justify additional headcount.

Budget, Reporting and Performance

• Prepare and manage the financial products budget.
• Develop financial models and forecasts for new and existing products.
• Report product performance, delivery milestones, opportunities and risks directly to the Group CEO.
• Maintain a product dashboard covering adoption, revenue, costs, customer satisfaction and delivery progress.
• Prepare board and executive papers on product strategy and performance, when required.
• Explain underperformance clearly and present corrective action.

• At least ten years of experience in financial services, with significant senior experience in product leadership.
• Proven senior experience across all three areas: payments, fintech and investment funds, with a track record of successfully launching and growing financial products.
• Demonstrated experience delivering products across international markets and navigating relevant regulatory requirements.
• Experience building strategic partnerships with banks, payment providers, technology platforms and fund service providers.
• Experience leading multidisciplinary teams and working directly with executive leadership.