A leading UAE-based bank is seeking a high-calibre Service Product Owner to lead the digital onboarding product within the Retail Banking & Wealth Management (RBWM) segment. This role sits at the intersection of customer experience, technology delivery, and regulatory compliance — owning the full product lifecycle for onboarding journeys across the bank's retail digital platform.
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The ideal candidate is a banking professional first, with functional depth in customer onboarding, servicing, KYC/compliance automation, and digitalization — who can bridge business intent and technical execution across cross-functional Agile squads. This is an ownership role, not an analysis role. You are accountable for delivery.
As a Service Product Owner, you will oversee the development, delivery, and continuous improvement of digital onboarding products and services across the retail customer segment. You will serve as the primary bridge between the branch network, digital channels, compliance/regulatory teams, and the Group Technology function — ensuring products are delivered on time, on scope, and in alignment with the bank's AI-first digitalization strategy.
You own the product end-to-end — from vision and requirements definition through Agile delivery, UAT, and go-live. Ownership and delivery accountability are the defining expectations of this role.
Key Responsibilities
- Define and own a clear product roadmap for the digital onboarding suite, aligned with the bank's retail strategy and AI-led transformation agenda
- Collaborate with senior stakeholders to establish product vision, quarterly goals, and release milestones
- Prioritize the product backlog based on business value, compliance requirements, technical feasibility, and customer impact
- Lead and facilitate all Agile ceremonies: sprint planning, daily standups, backlog refinement, sprint review, and retrospectives
- Translate complex business and regulatory needs into structured user stories, epics, and acceptance criteria
- Ensure all product decisions account for CBUAE regulations, internal compliance policies, and risk frameworks
- Conduct user research and journey mapping to identify onboarding friction points and conversion drop-offs
- Maintain strong technical understanding of how systems enable product outcomes — APIs, core banking integrations, CRM platforms, and third-party services
Requirements
Mandatory
- Minimum 3 years in a banking environment — retail, RBWM, or corporate banking (non-negotiable)
- 5–8 years total experience with proven end-to-end product delivery ownership in banking or financial services
- Deep functional knowledge of retail onboarding: KYC, AML, CDD, account opening, servicing, and compliance workflows
- Strong hands-on Agile experience — Scrum or SAFe — including ceremony facilitation and backlog ownership
- Proficiency with Jira (including add-ons) for backlog management, sprint tracking, and delivery reporting
- Ability to write user stories, define acceptance criteria, and drive requirements independently — no BA dependency
Preferred
- Figma experience for wireframe review and design validation
- CRM platform exposure — Siebel CRM or equivalent — within banking or financial services
- Knowledge of AI, intelligent automation, or ML applications within onboarding or servicing
- Familiarity with CBUAE regulations and UAE open banking frameworks
Education & Certifications
- Bachelor's degree in Computer Science, Business, Finance, or related discipline
- No certification required — delivery track record and banking domain depth take priority
Location
Dubai, United Arab Emirates
