Product Owner SME & Online Banking

Role Overview:We are hiring a Product Owner for one of our clients to drive end-to-end product development across SME & Online Banking. The Product Owner for SME Digital Banking is responsible for the end-to-end ownership of the bank's digital channels, and owns the roadmap, backlog, delivery, operational performance and continuous improvement of SME digital products, journeys and services.The role carries full accountability across the product lifecycle, from identifying opportunities and defining solutions through delivery, release, operational support and optimisation, ensuring products deliver measurable customer, business and operational outcomes, strengthening their position as the leader in Digital SME Banking.Key Responsibilities:Product Strategy & RoadmapShape and evolve the product vision and strategy for SME digital banking channels.Own annual roadmaps, quarterly priorities and strategic delivery plans.Translate customer needs, business objectives, market opportunities and regulatory requirements into product initiatives.Align priorities with senior Digital, Business Banking and Product leadership.End-to-End Product OwnershipOwn products, capabilities, journeys and initiatives throughout their complete lifecycle.Lead product discovery, customer research, validation and opportunity assessment.Define product vision, goals, success metrics, requirements, epics, features and user stories.Prioritise initiatives based on customer value, business outcomes and strategic objectives.Lead agile delivery across assigned squads and manage dependencies, risks and delivery commitments.Own business readiness, go-live, release coordination and early-life performance.Act as the business owner for live digital services, including operational performance, incidents, defects and service improvements.Drive continuous optimisation based on customer feedback, adoption and business performance.Global SME Platform GovernanceAct as custodian of SME digital channel standards across markets.Ensure consistency across customer journeys, design patterns and platform capabilities.Promote reusable features, services and technical components.Drive a global-by-default approach and minimise unnecessary duplication.Represent SME requirements within global digital banking and platform forums.Mobile & Cross-Channel Product LeadershipPartner with Retail Digital Banking and Mobile Platform teams.Ensure SME requirements are represented within global platform roadmaps.Leverage existing platform capabilities while defining new capabilities where SME needs are unique.Drive consistency across mobile, web and future digital channels.Agile Delivery LeadershipLead SME Mobile and Online Banking squads.Own and prioritise product backlogs.Manage sprint planning, refinement, reviews and retrospectives.Balance customer, business, operational and regulatory priorities.Keep squads focused on measurable customer and business outcomes.Customer ExperienceChampion best-in-class digital experiences for SME customers.Partner with UX, CX and Research teams on customer journey redesign and optimisation.Improve customer satisfaction, engagement, self-service and digital adoption.Use metrics such as CSAT, NPS, MAU, digital engagement, self-service adoption and customer effort to drive decisions.Stakeholder & People LeadershipAct as the SME digital channels product authority across the organisation.Build strong relationships with Executive Leadership, Digital, Business Banking, Product, Engineering, Architecture, UX, Risk, Compliance, Legal, Information Security and Operations.Influence senior stakeholders and manage competing priorities, dependencies and risks.Lead and develop direct reports and coach Product Owners and squad members.Build high-performing, accountable and customer-focused teams.Required Skills & Experience: 8–12+ years of experience in Digital Banking, Product Management or Financial Services Technology.Proven experience owning digital products from strategy through delivery and operations.Strong experience leading Agile squads and multidisciplinary delivery teams.Demonstrated experience delivering mobile and/or online banking solutions.Experience managing complex product portfolios, stakeholders and competing priorities.Strong understanding of digital customer journeys and servicing.Preferred ExperienceSME Banking or Business Banking product experience.Regional or multi-country product leadership experience.