Product Owner.Injaz -RBG - Digital Web & Mobile Entities.Retail Banking Group job in United Arab Emirates

Product Owner.Injaz -RBG - Digital Web & Mobile Entities.Retail Banking Group

Unlock employer United Arab Emirates Direct to Company Under an hour ago · 09 Sep 2026

Position

About The Role
The company's ambition is to provide the best digital banking experience for SME customers in every market in which it operates.
The Product Owner for SME Digital Banking is responsible for the end-to-end ownership of the company's Biz digital channels, including Mobile Banking (MOB) and Online Banking (MOL). The role owns the roadmap, backlog, delivery, operational performance and continuous improvement of SME digital products, journeys and services.
The role acts as the global SME digital channel lead, ensuring alignment of customer experience, platform capabilities, design standards and roadmap priorities across UAE, Egypt, and Pakistan.
The role carries full accountability across the product lifecycle, from identifying opportunities and defining solutions through delivery, release, operational support and optimisation, ensuring products deliver measurable customer, business and operational outcomes, strengthening the company's position as the leader in digital SME banking.

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Key Result Areas

1. Product Strategy & Roadmap Ownership

Contribute to and evolve the product vision for the company's Biz digital channels.
Develop and maintain annual roadmaps, quarterly priorities and strategic delivery plans.
Translate customer needs, business objectives, market opportunities and regulatory requirements into actionable product initiatives.
Partner with the Senior Product Owner, Head of Digital and Head of Business Banking to align priorities and investments.
Drive alignment of SME roadmaps across UAE, Egypt and Pakistan.
Identify opportunities to improve customer experience, engagement, self-service and adoption.

2. End-to-End Product Lifecycle Ownership
The Product Owner is accountable for the success of all capabilities, products, journeys and initiatives within their area of ownership.
Discover

Identify customer, business and market opportunities.
Analyse customer feedback, usage data, app reviews and market trends.
Lead product discovery activities and validation exercises.
Assess customer pain points and opportunities for innovation.

Define

Define product vision, goals and success metrics.
Create requirements, epics, features and user stories.
Develop business cases and investment recommendations where required.
Prioritise opportunities based on customer value, business outcomes and strategic objectives.

Deliver

Lead agile delivery across assigned squads.
Manage dependencies, risks and cross-functional delivery activities.
Collaborate with Engineering, Architecture, Design and Downstream functions to deliver high-quality products and experiences.
Ensure delivery commitments are achieved on time and to expected standards.

Release

Own business readiness and go-live activities.
Coordinate releases and deployments with Technology and Operations teams.
Ensure customer communications and support processes are established.
Track launch success and early-life performance.

Run

Act as business owner for live services and journeys.
Own operational performance and customer outcomes.
Prioritise production issues, defects and service improvements.
Lead response to incidents impacting SME customers.
Support critical production incidents and major deployments outside business hours where required.

Improve

Monitor adoption, customer satisfaction and business outcomes.
Drive ongoing optimisation of products, journeys and services.
Identify opportunities to simplify customer experiences and improve self-service.
Continuously evolve products in line with customer expectations and industry trends.

3. Global SME Platform Governance

Act as custodian for SME digital channel standards across all markets.
Ensure consistency of customer journeys, design patterns and platform capabilities.
Drive adoption of reusable features, services and technical components.
Promote global-by-default solutions and minimise unnecessary duplication.
Govern cross-market backlog alignment and dependency management.
Represent SME requirements in global platform and digital banking forums and wider forums.

4. Mobile Platform & Cross-Channel Collaboration

Partner with Retail Digital Banking MOB Product teams.
Collaborate closely with Mobile Platform squad and global lead engineers.
Ensure SME requirements are represented within global platform roadmaps.
Leverage reusable platform capabilities whenever possible.
Define new SME capabilities where customer needs are unique.
Drive consistency between mobile, web and future digital channels.

5. Agile Delivery Leadership

Lead SME Mobile Banking and Online Banking squads.
Own and prioritise team backlogs.
Create and maintain epics, features and user stories.
Manage sprint planning, refinement, reviews and retrospectives.
Balance customer, business, operational and regulatory priorities.
Ensure squads remain focused on value delivery and customer outcomes.

6. Customer Experience Ownership

Create and maintain best-in-class digital banking experiences for SME customers.
Partner with UX, CX and Research teams to identify customer opportunities.
Drive customer journey redesign and optimisation initiatives.
Improve customer satisfaction and engagement across channels.
Champion customer-centric decision making across teams.

Key outcomes include:

Customer Satisfaction (CSAT)
Net Promoter Score (NPS)
Monthly Active Users (MAU)
Digital Engagement
Self-Service Adoption
Customer Effort Reduction
App Store Ratings
Digital Servicing Success
Reduce cost to serve

7. Stakeholder Leadership
Develop trusted relationships across the organisation and act as the SME digital channels product authority.
Key stakeholders include:

Executive Leadership & ExCo
Head of Digital
Head of Business Banking
Country Business Banking Leaders
Senior Product Owners
Product Owners
Engineering & Architecture
UX & Design
Customer Experience
Marketing
Risk
Compliance
Legal
Information Security
Operations
PMO
Relationship Managers
The role must influence, align and manage competing priorities, requirements, key decisions and key risks across a complex stakeholder landscape.

8. People Leadership

Lead and develop direct reports.
Coach Proxy Product Owners.
Support growth of squad members across Product, Engineering and QA functions.
Foster a culture of ownership, accountability and continuous improvement.
Support recruitment, succession planning and performance management activities.
Build high-performing, customer-focused delivery teams.

Key Performance Indicators
Product & Delivery

Roadmap Delivery
Sprint Predictability
Time-to-Market
Feature Adoption
Delivery Quality

Customer Outcomes

CSAT
NPS
Monthly Active Users
Digital Engagement
App Store Ratings
Self-Service Adoption

Operational Excellence

Platform Availability
Incident Volumes
Production Stability
Change Success Rates
Defect Reduction

Strategic Outcomes

Cross-Market Alignment
Adoption of Reusable Capabilities
Reduction in Duplicate Development
Digital Channel Maturity
Customer Experience Improvements

Key Skills & Qualifications
Education

Bachelor's Degree in Business, Technology, Engineering, Computer Science or related discipline.
MBA or Master's Degree preferred.
Agile Product Management certifications desirable (PSPO, CSPO, SAFe Product Manager/Product Owner or equivalent).

Experience
Essential

8-12+ years' experience in Digital Banking, Product Management or Financial Services Technology.
Demonstrated experience owning digital products from strategy through delivery and operation.
Strong experience managing Agile squads and delivery teams.
Proven track record delivering mobile and/or online banking solutions.
Experience working across multiple stakeholder groups and business functions.
Strong understanding of customer journey management and digital servicing.
Experience managing complex delivery portfolios and competing priorities.

Preferred

SME or Business Banking product experience.
Multi-country or regional product leadership experience.
Experience working across UAE, Egypt or Pakistan markets or multi market products.
Experience leading Build & Run digital channel teams.
Exposure to platform product management and reusable capability frameworks.

Skills
Product Leadership