Product Owner

Product Owner – RBG Digital - SME Mobile & Online Banking Mashreq Biz Mobile Banking (MOB) & Online Banking (MOL) Position Details Job Title Product Owner – SME Mobile & Online Banking Department RBG Digital Reports To Senior Product Owner – Mobile & Online Banking Customer Segment SME / Business Banking Markets UAE, Egypt, Pakistan Channels Mashreq Biz Mobile Banking (MOB) & Online Banking (MOL) Operating Model Build & Run Direct Reports Proxy Product Owners, Engineers, QA and Squad Resources Revenue Accountability No Customer Outcome Accountability Yes About The Role Mashreq's ambition is to provide the best digital banking experience for SME customers in every market in which it operates. The Product Owner for SME Digital Banking is responsible for the end-to-end ownership of Mashreq Biz digital channels, including Mobile Banking (MOB) and Online Banking (MOL). The role owns the roadmap, backlog, delivery, operational performance and continuous improvement of SME digital products, journeys and services. The role acts as the global SME digital channel lead, ensuring alignment of customer experience, platform capabilities, design standards and roadmap priorities across UAE, Egypt and Pakistan. 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 Mashreqs position as the leader in digital SME banking. Key Result Areas 1. Product Strategy & Roadmap Ownership Contribute to and evolve the product vision for Mashreq Biz digital channels. Develop and maintain annual roadmaps, quarterly priorities and strategic delivery plans. Translate customer needs, business objectives, market opportunities and regulatory requirements into actionable product initiatives. Partner with the Senior Product Owner, Head of Digital and Head of Business Banking to align priorities and investments. Drive alignment of SME roadmaps across UAE, Egypt and Pakistan. Identify opportunities to improve customer experience, engagement, self-service and adoption. 2. End-to-End Product Lifecycle Ownership The Product Owner is accountable for the success of all capabilities, products, journeys and initiatives within their area of ownership. Discover Identify customer, business and market opportunities. Analyse customer feedback, usage data, app reviews and market trends. Lead product discovery activities and validation exercises. Assess customer pain points and opportunities for innovation. Define Define product vision, goals and success metrics. Create requirements, epics, features and user stories. Develop business cases and investment recommendations where required. Prioritise opportunities based on customer value, business outcomes and strategic objectives. Deliver Lead agile delivery across assigned squads. Manage dependencies, risks and cross-functional delivery activities. Collaborate with Engineering, Architecture, Design and Downstream functions to deliver high-quality products and experiences. Ensure delivery commitments are achieved on time and to expected standards. Release Own business readiness and go-live activities. Coordinate releases and deployments with Technology and Operations teams. Ensure customer communications and support processes are established. Track launch success and early-life performance. Run Act as business owner for live services and journeys. Own operational performance and customer outcomes. Prioritise production issues, defects and service improvements. Lead response to incidents impacting SME customers. Support critical production incidents and major deployments outside business hours where required. Improve Monitor adoption, customer satisfaction and business outcomes. Drive ongoing optimisation of products, journeys and services. Identify opportunities to simplify customer experiences and improve self-service. Continuously evolve products in line with customer expectations and industry trends. 3. Global SME Platform Governance Act as custodian for SME digital channel standards across all markets. Ensure consistency of customer journeys, design patterns and platform capabilities. Drive adoption of reusable features, services and technical components. Promote global-by-default solutions and minimise unnecessary duplication. Govern cross-market backlog alignment and dependency management. Represent SME requirements in global platform and digital banking forums and wider forums. 4. Mobile Platform & Cross-Channel Collaboration Partner with Retail Digital Banking MOB Product teams. Collaborate closely with Mobile Platform squad and global lead engineers. Ensure SME requirements are represented within global platform roadmaps. Leverage reusable platform capabilities whenever possib

Own end-to-end lifecycle of SME digital banking products and journeys (Mobile Banking MOB and Online Banking MOL), including discovery, definition, prioritization, delivery, release, operations, and optimization. Develop and maintain product vision, goals, success metrics, and annual roadmaps; create requirements, epics, features, and user stories; build business cases and investment recommendations; prioritize opportunities based on customer value and strategic objectives; lead agile delivery across squads, manage dependencies and risks, and collaborate with Engineering, Architecture, Design, and Operations to ensure on-time, high-quality delivery. Own go-live readiness, coordinate releases, establish customer communications and support processes, track launch performance, and act as business owner for live services and journeys; prioritize production issues and drive service improvements; lead incident response and support major deployments outside business hours when required. Govern SME digital channel standards across markets, promote reusable platform capabilities, and ensure cross-market backlog alignment and global platform representation. Partner with MOB Product teams and cross-functional squads to ensure SME requirements are reflected in global roadmaps and leverage platform capabilities where possible.