Product Owner - Lending & Mortgage

• Work AI Solutions — deploying AI systems directly into credit, fraud, treasury, and operational workflows.

• AI for Infrastructure — integrating AI into IT and operational systems for predictive maintenance and resilience.

• AI Tooling & Platforms — including the proprietary HYPER platform for model development and workflow automation.

• AI Labs & GCC — establishing capability centers to scale internal AI and engineering talent for enterprise clients.

• Own and manage the product backlog for lending and mortgage solutions, ensuring alignment with business objectives and regulatory requirements.

• Define, refine, and prioritize user stories, epics, and acceptance criteria in close collaboration with business stakeholders and SMEs.

• Translate complex banking workflows (loan origination, underwriting, disbursement, servicing) into clear, actionable product requirements.

• Maintain a clear product roadmap and communicate progress and trade-offs to senior stakeholders.

• Lead Agile ceremonies (sprint planning, backlog grooming, retrospectives, demos) as the primary Product Owner.

• Work closely with Scrum Masters and development teams to remove impediments and ensure iterative, on-time delivery.

• Apply SAFe, Scrum, or Kanban frameworks as appropriate to program and team-level delivery contexts.

• Track velocity, burn-down, and sprint metrics to maintain delivery transparency with leadership.

• Define integration requirements between core banking systems, CRM platforms, third-party APIs, and digital channels.

• Partner with technical architects and integration teams to validate data flows, API contracts, and middleware configurations.

• Drive UAT planning and execution for new system implementations, ensuring sign-off criteria are met before go-live.

• Oversee and coordinate end-to-end implementation of lending and mortgage modules within core banking platforms.

• Lead product workstreams for data and system migration projects, including legacy-to-modern platform transitions.

• Collaborate with data architects and QA teams to define migration rules, data mapping specifications, and reconciliation processes.

• Ensure business continuity and minimal customer impact during cutover and post-migration stabilization phases.

• Act as the primary liaison between business units (retail banking, risk, compliance, operations) and technology delivery teams.

• Facilitate workshops, requirement-gathering sessions, and sign-off meetings with senior stakeholders and C-level sponsors.

• Ensure product decisions comply with local banking regulations (SAMA guidelines and KSA financial services standards).

• Produce and maintain product documentation including BRDs, functional specs, and release notes.

• 8–10 years of experience in product ownership, business analysis, or product management within the banking or financial services sector.

• Demonstrable, hands-on experience in Lending and/or Mortgage products — including loan origination, credit assessment, mortgage servicing, and collections workflows.

• Proven track record delivering Agile projects (Scrum/SAFe) as a certified or practising Product Owner.

• Strong experience in systems integration projects — defining requirements for API-based integrations with core banking, LOS, or CRM platforms.

• End-to-end experience in platform implementation projects, including requirements definition, UAT coordination, and go-live support.

• Hands-on involvement in at least one large-scale data or system migration project in a banking context.

• Excellent stakeholder management, facilitation, and communication skills with the ability to influence at senior levels.

• Prior experience working in or delivering projects for banks or financial institutions in Saudi Arabia or the GCC region.

• Familiarity with SAMA regulations, Basel frameworks, or KSA-specific mortgage/lending compliance requirements.

• Knowledge of core banking platforms such as Temenos T24, Oracle FLEXCUBE, Finastra, or Mambu.

• CSPO, SAFe PO/PM, or equivalent Agile certification.

• Experience with digital mortgage or open banking initiatives.

• Work with leading banking clients on high-impact digital transformation initiatives.
• Exposure to enterprise-level systems, modern digital platforms, and multi-disciplinary project environments.
• A culture focused on innovation, ownership, and continuous learning.
• Collaborate with global teams across technology, digital, and architecture domains.
• Clear pathways for growth in business analysis, solutioning, and digital leadership roles.

CodeNinja