Product Owner – Digital Products & CVP

JOB RESPONSIBILITIES:

• Define and manage the roadmap for digital banking products and customer value propositions across relevant customer segments.

• Lead the design and enhancement of digital deposit, payments, cards, and value-added service propositions as applicable.

• Develop clear and differentiated customer value propositions based on customer needs, market opportunities, and business priorities

• Translate product strategy into detailed business requirements, features, and prioritized backlog items for delivery teams.

• Own the end-to-end product lifecycle from ideation and design to launch, monitoring, and continuous improvement.

• Work closely with design, technology, operations, and control functions to deliver seamless, compliant, and scalable customer journeys.
• Use customer insights, analytics, market intelligence, and competitor benchmarking to identify product gaps and improvement opportunities.
• Drive ongoing optimization of digital customer journeys to improve conversion, usage, and customer experience.

COMMUNICATIONS AND WORKING RELATIONSHIPS:

Internal:

• Collaborate closely with cross functional teams, Product, Sales, Marketing, Analytics, Technology, Operations, Compliance, Risk, Legal, Finance, and Customer Experience teams.
• Work with digital banking squads to deliver the product & proposition

External:

• Liaise with external vendors, fintechs, service providers, and ecosystem partners supporting product capability and proposition delivery.

KNOWLEDGE / QUALIFICATIONS / EXPERIENCE AND SKILLS:

Minimum Qualifications :

• Bachelor’s degree in Business, Finance, Computer Science, or a related discipline.

Minimum Experience:

• 7+ years

Job Specific Skills:

• Strong understanding of digital banking products, customer journeys, and proposition development in retail financial services.
• Proven experience in building and managing customer value propositions for different customer segments.
• Strong commercial acumen with ability to balance customer value, business growth, and profitability.
• Ability to define product strategy and translate it into actionable requirements and delivery plans.
• Good knowledge of product management, digital channels, and lifecycle management.
• Strong analytical and problem-solving skills with ability to use data and customer insights for decision-making.
• Familiarity with pricing, rewards, benefits, and product feature design within banking or digital financial services.
• Sound understanding of regulatory, compliance, and operational considerations in product development.

Behavioural Skills:

• Strong stakeholder management and cross-functional collaboration skills.
• High ownership and accountability with a strong execution mindset.
• Strong communication, presentation, and influencing skills.
• Customer-first mindset with focus on innovation, simplicity, and continuous improvement.

WORKING ENVIRONMENT:

• Internal - 85 %
• External – 15 %