Product Owner Injaz - RBG - Digital Squad - Engagement And Content Retail Banking Group

Digital Product Owners have end-to-end responsibility for the development, management, harmonization and phasing out of commercial products, services, channel formulas and processes within one or more segments and is familiar with the relationship between these aspects, with a view to achieving an optimum customer experience.

This concerns a broad specialism regarding the product, channel or market with end-to-end responsibility for the teams activities. The Product Owner works in a team within Mashreq’s Digital Studio and works together with other experts to achieve the squads mission. Has expertise in the areas of marketing, product management, channel and process optimization. Can fulfil the role of Product Owner within a team. The PO is responsible for defining Stories and prioritizing the Team Backlog to streamline the execution of program priorities while maintaining the conceptual and technical integrity of the Features or components for the team.

• Applies profound product/service knowledge to develop and maintain an attractive and compliant value proposition and delivery excellence for customers.
• Responsible for developing, maintaining, and standardizing customer-related processes across marketing technology platforms and sales activities, and for retiring outdated processes when needed.
• Deals 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 and lead all sprint events end to end (planning, refinements, retrospectives, demos).
• 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).
• Weighs up development of new products and services against procurement of possible sub- products.
• Initiates customer research.
• Designs strategy in the area of products, channels, promotion, pricing, and product and process quality, in keeping with MASHREQs brand policy and with customer interests as the starting point for their ideal customer journey.
• Translates the strategy into practical policy. Formulates the product, process and channel policy while keeping compliant with:
• assortment policy
• IT landscape/architecture
• internal and external legislation and regulations
• process principles aiming for maximum customer satisfaction and efficiency and the lowest possible cost price.
• Directs implementation of this strategy, tracks teams progress and adjusts wherever necessary in his or her role as a product owner.
• Prioritizes the backlog regarding strategy, stakeholder and customer interests and feasibility in his or her role as product owner and in consultation with the MarTech lead/Senior PO.
• Monitors 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 performance.
• Has up-to-date knowledge of the business domain and the underlying application architecture + relevant IT landscape and technologies.
• 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.
• Has a helicopter view and determines priorities based on context.
• Masters the fundamentals of all core capabilities of a CUSTOMER JOURNEY and has profound knowledge in at least one field of expertise for which he or she is regarded as go-to person within the Digital Studio.
• Is a go-to-person for the team when encountering challenges.
• Improves himself in everything he/she does.
• Challenges and improves his/her own work and that of colleagues continuously and vice versa.
• Serves as an example of giving and receiving feedback and acts upon it.
• Sets the rules for activities and enhances them.
• Writes job aids and provides training.
• Minimum 7+ years experience in MarTech, CRM, or CDP with proven success in large-scale programs.
• Minimum of 5 years of experience gathering requirements and translating into user requirements, data engineering, data science, or software engineering experience.
• Minimum of 3 years of banking experience, other related project work experience, or demonstration of high level of understanding of the banking industry.
• University degree in Marketing, Business or Technology (Masters preferred); strong preference for CRM accreditation (e.g. Adobe, Salesforce, or equivalent).
• Experience as a Product Owner/Product Manager with banking, software or cloud products.
• Strong knowledge of software development lifecycle.
• Experience in Agile methodologies.
• Strong negotiation and leadership skills.
• Strong track record in managing multiple external vendors and delivery partners.
• Skilled in defining platform vision, roadmap, and execution in alignment with business and compliance needs.
• Demonstrated ability in delivering enterprise projects across multiple countries or regions, ensuring alignment between local business requirements and global strategy.
• Hands-on experience with CRM and CDP domains such as customer data unification, segmentation, personalization, activation.
• Hands-on experience with migrations/transitions between major CRM/CDP platforms, including managing risks and ensuring business continuity.
• ⁠Deep understanding of integrating CDP/CRM platforms into a wider enterprise architecture, ensuring smooth data flow across systems.
• Excellent communication and presentation skills with a high degree of comfort in speaking with senior leaders.
• Must be a strong collaborator, team player, and individual contributor.
• Strong analytical and quantitative skills.
• Demonstrated ability to think both strategically and tactically.
• Comfortable working across marketing, analytics, IT, compliance, and business units.
• Familiarity with Consumer Protection Regulations (CPR) and regional data privacy requirements.
• Strong analytical and ROI measurement skills.
• Brings a high-energy and passionate outlook to the job and can influence those around them.
• Able to build a sense of trust and rapport that creates a comfortable & effective workplace.
• Passion for innovation and “can do” attitude.