Product Owner Mortgages Mashreq Bank Dubai

  • Full time
  • Dubai, UAE
  • Posted 3 weeks ago
  • 15000-30000 AED / Month

Product Owner Mortgages at Mashreq Bank Dubai is responsible 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 squad’s activities. The Product Lead works in a squad within Mashreq’s Digital Studio. Works together with other experts to achieve the squad’s mission. Has expertise in the areas of marketing, product management, channel and process optimization.

Can fulfil the role of Product Owner within a squad. Can fulfil the role of Product Owner within a squad. Each squad has a single product owner. 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.

Responsibilities of Product Owner Mortgages

  • Applies profound product/ service knowledge to develop and maintain an attractive and compliant value proposition and delivery excellence for customers.
  • Develops, manages, harmonizes and phases out the customer processes of products and services, as well as everyday customer sales.
  • 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 all sprint events (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 MASHREQ’s 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 in keeping 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.

What You’ll Do More?

  • Directs implementation of this strategy, tracks squad progress and adjusts wherever necessary in his or her role as a product owner.
  • Prioritizes the backlog regarding strategy, customer interests and feasibility in his or her role as product owner and in consultation with the Digital Studio lead.
  • 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.
  • End-to-end responsibility of the mortgage product lifecycle including direct customer acquisition or through various front end channels and servicing of clients through the life of the loan.
  • Responsibility for profitability of the product through portfolio management initiatives, effective and competitive pricing while controlling costs of acquisition.

Requirements of Product Owner Mortgages

  • Bachelor’s Degree in Computer Science, Information Systems or related field.
  • Minimum of 10 years of banking experience, other related project work experience, or demonstration of high level of understanding of the banking industry.
  • Minimum of 5 years of experience gathering requirements and translating into user requirements, data engineering, data science, or software engineering experience.
  • Experience as a Product Owner / Product Manager with banking or software products.
  • Experience in Agile methodologies.

Skills and Knowledge Desired

  • Complete end to end understanding of the Mortgage product lifecycle including systems, processes, policies, revenues, and costs.
  • Comprehensive understanding of the real estate and mortgage industry including various stakeholders and their processes/practices.
  • Background in engineering, technology, or UX preferred.
  • Strong knowledge of software development lifecycle.
  • Strong negotiation and leadership skills.
  • 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.
  • 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.

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