Description:

Role Summary

The Product Owner Credit Lending application is the day-to-day owner of one or more defined modules of the Bank s platform. This role translates the agreed product vision and roadmap into a well-groomed backlog, clear user stories, and delivery-ready requirements.

The Product Owner works under the direction of the Senior Product Owner and partners closely with Stakeholders like Technology, Risk, Credit, and Operations to convert credit policy and regulatory requirements into functional specifications, and to ensure assigned capabilities are delivered on time, fit for purpose, and auditable across all in-scope markets.

Key Responsibilities

Backlog & Requirements Ownership

- Own and maintain the product backlog for assigned modules limits setup, utilization tracking, exposure aggregation, rules, workflows, and calculations in line with the roadmap set by the Senior Product Owner.
- Write clear epics, user stories, and acceptance criteria, and groom the backlog continuously with business, risk, and engineering input.
- Prioritise sprint scope based on risk impact, regulatory obligation, and business value, escalating trade-offs and cross-module dependencies to the Senior Product Owner.

Functional & Domain Ownership

- Act as the functional subject-matter point of contact for assigned areas such as limit definition, utilization tracking, exposure aggregation, collateral allocation, covenants, credit lending, and workflow exceptions.
- Develop and apply a solid working understanding of the credit lifecycle and its controls across lending, trade finance, treasury, and collateral management.
- Document as-is and to-be process flows, business rules, and data requirements to a standard that can be built and tested without ambiguity.




- Support advanced analytics and AI/ML use cases as an added advantage.

Stakeholder & Governance

- Act as the day-to-day product interface for Business, Risk, Credit, Operations, Technology, and vendor delivery teams on assigned scope.
- Operate within Transformation Office governance standards, maintaining backlog hygiene, RAID entries, sprint reporting, and status inputs for steering and decision forums.
- Run requirement workshops, walkthroughs, and demos, and communicate scope, progress, and issues clearly to stakeholders and to the Senior Product Owner.

Delivery Readiness & Quality

- Own story-level definition of ready and definition of done, and support readiness gates across design, build, integration, SIT, UAT, and post-go-live stabilization.
- Prepare and execute test scenarios and test data for exposure and aggregation cases, collateral allocation logic, workflow exceptions, and regulatory edge cases; triage defects and confirm fixes.
- Coordinate UAT with business users, capture sign-offs, and ensure deliveries comply with Change, Release, Incident, and Security management processes.
- Work effectively within Agile and Hybrid delivery methodologies, contributing to sprint planning, refinement, reviews, and retrospectives.

Technology & Integration Partnership

- Work with Architecture and Engineering to clarify functional requirements for APIs, integration patterns, workflow orchestration, rules engines, data models, and calculation engines.




- Support integration analysis and testing with Loan Origination and Credit Workflow systems, Core Banking platforms, Trade Finance and Treasury systems, Collateral Management platforms, and Customer Master / exposure source systems.

Required Experience & Knowledge

Experience

- Years: 5 8 years of experience in banking product ownership, business analysis, credit systems, lending platforms, risk systems, or banking technology delivery.
- Domain: Hands-on experience delivering credit lending platform capabilities in a banking environment.
- Geography: Exposure to UAE / GCC banking, regulatory expectations, and corporate and institutional credit practices, or demonstrated ability to build it quickly.
- Products: Working knowledge of corporate lending and financial institutions products.

Core Competencies

- Product ownership discipline and structured, detail-oriented execution.
- Sound credit, lending, collateral, and risk domain knowledge.
- Ability to translate business and risk requirements into clear stories for engineering.
- Solid stakeholder engagement and clear written and verbal communication skills.
- Strong analytical, documentation, and problem-solving capabilities.
- Effective collaboration across multi-stakeholder and cross-border delivery teams.
- Ownership mindset, with a bias for follow-through and quality.

Preferred Qualifications

- Bachelor s degree in Finance, Banking, Technology, Engineering, or Computer Science.
- CSPO, PSPO, or equivalent product / Agile certifications preferred.
- CBAP, FRM, or equivalent banking and risk certifications an advantage.
- Additional certifications in banking, risk, product, or enterprise technology delivery are an advantage.

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