Digital Product Owner

About the Role and Business Area

Join an inclusive and diverse community at Abu Dhabi Commercial Bank (ADCB) where your unique skills and professional development are highly valued. Our Retail Banking Group supports retail and micro-business clients by offering expert financial guidance and a wide range of conventional and Shari'ah-compliant banking products and services. We emphasize digital innovation to enhance customer service quality. We are seeking a driven professional to contribute to our Retail Banking team who shares our vision to raise the standard of banking excellence in the UAE.

Key Responsibilities

• Define and maintain the product vision, roadmap, and backlog for retail banking solutions.
• Promote digital-first, self-service customer journeys, encompassing onboarding, servicing, lending, and card products.
• Lead Straight Through Processing (STP) initiatives by identifying bottlenecks, manual interventions, and opportunities for automation.
• Examine customer journeys and business workflows to uncover operational challenges and propose optimized, future-state solutions.
• Collaborate cross-functionally with business units, operations, risk, compliance, architecture, and technology teams to develop comprehensive end-to-end solutions.
• Prioritize product features, epics, and user stories based on business goals and customer requirements.
• Drive product adoption, enhance customer satisfaction, optimize processes, and support revenue growth.
• Ensure adherence to regulatory compliance while improving the digital customer experience.
• Utilize data analytics and customer insights to guide product decision-making and evaluate results.
• Assess and innovate existing and new digital channels (internet, mobile, tablets, SMS, wearables, digital TV) to expand service offerings and improve digital service capabilities.
• Manage digital channel adoption programs and promptly resolve service issues to maintain customer trust and bank reputation.
• Continuously monitor and analyze digital channel metrics and revenue KPIs to meet business targets.
• Maintain quality certifications such as ISO 9001 related to internet and mobile banking, ensuring compliance and minimizing risks.
• Prepare timely and accurate risk and compliance reports to support departmental decision-making.
• Lead and develop the team in alignment with ADCB’s people management practices to maximize performance and organizational contribution.
• Implement approved policies, procedures, and systems, ensuring team compliance and service excellence.
• Encourage continuous improvement initiatives within the team to support change programs and projects adhering to Bank standards.
• Deliver exceptional customer service consistent with ADCB's Promise and Service Standards in all interactions.

Candidate Profile

• Experience driving digitization and promoting self-service channel adoption.
• Ability to identify gaps in customer experience, processes, and technology.
• Skilled at defining scalable target-state solutions.
• Proven track record delivering business outcomes through automation, STP, and enhanced user experiences.
• Leadership experience in managing squads with end-to-end product ownership.
• Minimum of 12 years experience delivering banking projects, specifically in alternative delivery channels.
• Bachelor’s degree in a relevant field.
• Certifications such as Prince II, PMI, Agile, or equivalent in project management.
• Strong knowledge of web channels and mobile technologies.
• Excellent planning, analytical, and time management skills.
• Proficient in both written and spoken English.

Compensation and Benefits

• Competitive monthly salary between 35,000 AED and 45,000 AED plus eligibility for variable pay plans.
• Comprehensive benefits including top-tier medical insurance, life and personal accident coverage, paid leave, airfare for leave, preferential loan and finance options, staff discounts, and children's education support for eligible levels.
• Flexible and remote working arrangements, aligning work-life balance with job responsibilities.
• Numerous learning and development opportunities including instructor-led training, e-learning resources, on-the-job coaching, and professional development initiatives.

At ADCB, our goal is to foster a respectful, supportive, and disciplined workplace that accelerates your career growth.