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About the Role

The Senior Product Owner will have accountability across the Agile Product Lifecycle and ultimate responsibility for delivery of Cards products and services across Digital Channels. This role involves defining product strategy, managing the product backlog, and ensuring value creation through data-driven insights and stakeholder collaboration.

Responsibilities

Define product vision, roadmap and growth opportunities.
Develop and maintain a clear and actionable product strategy and roadmap aligned with the bank's strategy.
Own product requirements and roadmap, prioritizing and managing the product backlog.
Assess value, develop cases, and prioritize stories, epics and themes for maximum value and ROI.
Provide subject matter expertise across Cards products and services, including Visa products, card lifecycle management, digital card servicing and related customer journeys.
Collaborate with stakeholders to gather and prioritize requirements.
Prioritize and maintain the product backlog, ensuring it reflects stakeholder needs and is regularly groomed.
Define clear user stories and acceptance criteria based on business requirements and user feedback.
Plan and coordinate product releases, including defining release goals and coordinating with cross-functional teams.
Act as the primary point of contact for the development team, providing guidance and support.
Drive the delivery of Cards capabilities across Mobile Banking, Online Banking and other customer channels, ensuring alignment with security and regulatory requirements.
Conduct market research and competitive analysis to identify opportunities for product innovation.
Collaborate with UX/UI designers and QA analysts to ensure product quality and usability.
Monitor product performance and KPIs, conduct data analysis, and drive continuous optimization.
Define and communicate detailed product requirements, user stories and acceptance criteria.
Lead and manage business analysts, assigning tasks and providing guidance.
Communicate product updates, progress and strategy effectively to stakeholders at all levels.

Requirements

10+ years of experience in Cards, Payments, Digital Banking or Financial Services, with substantial responsibility for end-to-end Cards delivery.
Proven ability to bridge business and technology teams, understand solution architecture and processing flows, and define detailed Visa requirements.
Strong knowledge of Visa products, scheme rules, mandates, certification processes and the end-to-end card transaction lifecycle.
Strong hands-on functional or techno-functional experience with VisionPLUS.
Deep understanding of card lifecycle management, authorization, clearing and settlement, transaction processing, card controls, limits, fees, disputes and chargebacks.
Proven delivery experience integrating card platforms with Mobile Banking, Online Banking, APIs, middleware, payment switches, digital wallets and self-service channels.
Strong understanding of PCI DSS, 3D Secure, tokenization, strong customer authentication, device binding, multi-factor authentication, fraud prevention and card risk controls.
Strong knowledge of Agile delivery methodologies, backlog management, user-story definition, acceptance criteria, release planning and tools such as JIRA or Azure DevOps.
Demonstrated ability to work effectively with senior stakeholders, cross-functional teams, card schemes, processors and technology vendors.
Bachelor’s degree in Business, Information Technology, Computer Science, Engineering or a related discipline.
Relevant Cards, Payments, Agile or security certifications are advantageous.
Experience within UAE or GCC banking and familiarity with the regional regulatory environment are preferred.

Skills

Cards
Payments
Digital Banking
Financial Services
Visa products
Card lifecycle management
Digital card servicing
Agile Product Lifecycle
Product Strategy
Roadmap Development
Product Backlog Management
Requirement Gathering
User Story Definition
Release Planning
Market Research
Competitive Analysis
User Experience (UX)
Quality Assurance (QA)
Data Analysis
Stakeholder Management
VisionPLUS
Card Processing
Mobile Banking Integration
Online Banking Integration
API Integration
Payment Switches
Digital Wallets
PCI DSS
3D Secure
Tokenization
Strong Customer Authentication
Device Binding
Multi-Factor Authentication
Fraud Prevention
Card Risk Controls
Agile Delivery Methodologies
JIRA
Azure DevOps

Location

Work Type

Full-time

Experience Level

Senior
10+ years

Education Level

Bachelor’s degree in Business, Information Technology, Computer Science, Engineering or a related discipline
Cards, Payments, Agile or security certifications are advantageous

About the Company

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy.
CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.
CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.
We are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates.
We value talent for dealing with people and delivering service that goes the extra mile.