Digital Product Owner

Digital Product OwnerEmbark on a journey where your unique contributions are celebrated, and your professional growth is embraced. At ADCB, we nurture a diverse, inclusive community where every voice is valued.About the business areaThe Retail Banking Group (RBG) supports retail and micro-business customers in managing their finances, through expert advice and the provision of a full suite of specialist products and services in conventional and Shari’ah compliant banking. The business is committed to driving digital innovation to deliver excellence in customer service. We are actively seeking an ambitious professional to join our Retail Banking team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.We are actively seeking an ambitious professional to join our Retail Banking team at ADCB to work alongside passionate colleagues who share your ambition to redefine excellence in UAE banking.In this role, your key responsibilities include: Own the product vision, roadmap, and backlog for Retail Banking products.Drive self-service and digital-first customer journeys across onboarding, servicing, lending, and cards.Lead and champion STP programs by identifying manual interventions, process inefficiencies, and automation opportunities.Analyze customer journeys, business processes, and operational pain points to identify gaps and define target-state solutions.Partner with Business, Operations, Risk, Compliance, Architecture, and Technology teams to deliver end-to-end solutions.Define and prioritize features, epics, and user stories aligned with business objectives and customer needs.Drive product adoption, customer satisfaction, process optimization, and revenue growth.Ensure regulatory compliance while enhancing digital customer experiences.Leverage data, analytics, and customer insights to support product decisions and measure outcomes.Digital Channel Development and Implementation- Assess areas of development and innovation to existing and new Digital Channels (internet, mobile, tablet, SMS, wearable, digital TV) in order to broaden the overall service offering and enhance Digital Channel services in line with overall objectives of the business group.Digital Channel Usage and Reporting- Own and execute Digital channel onboarding, usage and migration related programmes and ensure service failures are resolved immediately to avoid customer dissonance and any threat to the Bank’s reputation. Continuously oversee and analyze Digital Channel usage and revenue KPIs to ensure overall business objectives are metQuality Certification, Audit and Compliance- Ensure that all services meet regulatory requirements such as ISO 9001 certification for internet Banking/mobile Banking and product development. Administer the retention of such certifications in order to remain compliant and minimize any risk of non-compliance to the Bank. Ensure timely and accurate development of risk and compliance reporting as required in line with the agreed standards in order to communicate activity/incidence reporting and assist in departmental decision makingPeople Management- Manage self and team in line with ADCB’s people management policies, procedures, processes and practices to ensure adherence and to maximize own and employee contribution to business performance. Organize and supervise the activities and work of the team to ensure that targets and objectives are achieved and the business plan is delivered in line with the required policies, processes, procedures and systemsPolicies, Processes, Systems and Procedures- Implement approved departmental policies, processes and procedures, and ensure employee adherence so that work is carried out to the required standard while delivering the required standards of service to customers and stakeholdersContinuous Improvement- Manage and motivate the team to ensure they contribute to, and participate in, the identification and implementation of change initiatives, programmes and projects in line with the Bank’s standardsCustomer Service- Demonstrate Our Promise and apply the ADCB Service Standards to deliver the Bank’s required levels of service in all internal and external customer interactionsThe ideal candidate should have the following experience Drive digitization and self-service adoption.Identify customer, process, and technology gaps.Define scalable target-state solutions.Deliver measurable business outcomes through automation, STP, and enhanced customer experience.Lead squads with an end-to-end product ownership mindsetAt least 12 years+ of experience in delivering projects with experience in alternate delivery channels within a BankBachelor’s Degree in relevant specializationProject Management Prince II or PMI or Agile (or equivalent) CertificationKnowledge of web channels and mobile technologiesPlanning, analytical and time management skills.Written and spoken EnglishWhat we offer:Competitive Salary: The indicative pay range for this role is 35,000 AED – 45,000 AED per month. Additionally, all employees are eligible to participate in one of our rewarding variable pay plans.Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance (for certain job levels).Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.