Digital Product Owner- Business Banking Assets

4 weeks ago

dubai, United Arab Emirates Mashreq Full time
Job PurposeEnd-to-end responsibility for the development, management, harmonization and phasing out of Business Banking – Assets & Trade products . He will also be responsible for creating all processes to ensure reduction of overall product delivery TAT & achieving an optimum customer experience.This concerns a broad specialism regarding the product, channel or market with end-to-end responsibility for the squad's activities. The Customer Journey expert works in a squad within Mashreq’s Digital Studio. Works together with other experts to achieve the squad's mission. Has expertise in the areas of marketing, product management, channel and process optimization.Drives & manages sustained profitability and grow market share of Business Banking Assets products through penetration of existing customers & developing new Assets products in line with business strategic priorities.Key Result AreasManage the P &L for all Asset & Trade products for the Business Banking i.e Loans, Merchant Overdraft, Trade and Working Capital, CRE & Non-Funded / Documentary tradeApplies profound product/ service knowledge to develop and maintain an attractive and compliant value proposition and delivery excellence for customers. Identify opportunities in the Business Banking space and develop new asset products to maximize market share and profitability for Mashreq.Ensure profitable growth for Asset portfolio through sound credit policy, portfolio management and pricing control.Define & execute marketing campaigns to drive incremental business volume growth to meet targets & sustained profitability for asset portfolio.Keeps track of and analyses market and competition developments (in the area of cost price, market price, market share, legislation and regulations, technological developments, distribution methods and other areas).Define & identify cross-sell opportunities within the customer base by developing propensity models with help from Analytics team to increase product penetration index and revenue per customer.Responsible to define and monitor KPI’s & KPA’s linked with financial targets, incentives policies and consequence management to drive channels for maximum profitability.Ensure Audit readiness for the UnitDeals with the most urgent incidents and improvement needs.Proposes and implements structural improvements to work processes, following improvement needs flagged up from within the touch point.Uses his/her technical expertise and experience to contribute to all sprint events (planning, refinements, retrospectives, demos)Weighs up development of new products and services against procurement of possible sub-Initiates customer research.Designs strategy in the area of products, channels, promotion, pricing, and product and process quality, in keeping with MASHREQ's brand policy and with customer interests as the starting point for their ideal customer journey.process principles aiming for maximum customer satisfaction and efficiency and the lowest possible cost price.Directs implementation of this strategy, tracks squad progress and adjusts wherever necessary in his or her role as a product owner.Prioritizes the backlog regarding strategy, customer interests and feasibility in his or her roleAs product owner and in consultation with the Digital StudioMonitors the planning, budget and requirements and completes backlog items during squad sprints.Weighs up the implications of margins, volumes and market shares and sets targets, always keeping customer interests a priority.Design, maps and improves the performance of Customer Journeys through identifying and collecting available CX and data, and translating UX and IT-landscapes.Applies marketing and communication practices to develop and maintain an optimal (digital) mix for channel and/or segments performanceHas up-to-date knowledge of the business domain and the underlying application architecture + relevant IT landscape and Knowledgeable on IT opportunities to support business goals. And is able to translate business solutions into working software by collaborating with IT engineers.Provides product information to internal and external parties (such as the press and PR, interbank consultations, internal and external suppliers, consumer and interest groups, industry regulators and the government).Manages, coaches, inspires, develops, evaluates and assesses employees. Creates the required environment and enables employees to do their jobs well, both now and in the future.Knowledge, Skills and ExperienceGraduate with minimum 15 years of related banking and finance experienceSound knowledge of credit underwriting techniques and risk analysis ( qualitative, analytical, and scoring based)Strong understanding of P&L and marketing development across the various product life cycle stagesBackground in engineering, technology, or UX preferredExperience as a Product Owner / Product Manager with software productsStrong knowledge of software development lifecycleExperience in Agile methodologiesStrong negotiation and leadership skillsExcellent communication and presentation skills with a high degree of comfort in speaking with senior leadersMust be a strong collaborator, team player, and individual contributorStrong analytical and quantitative skillsDemonstrated ability to think both strategically and tacticallyBrings a high-energy and passionate outlook to the job and can influence those around themAble to build a sense of trust and rapport that creates a comfortable & effective workplace
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