Responsibilities:
The Product Owner SME Digital Lending is responsible for shaping and delivering digital lending solutions tailored to the needs of small and medium-sized enterprises (SMEs). The role collaborates closely with cross-functional teams - including Risk, Credit, Compliance, Technology, and Business to define product requirements, prioritize features, and ensure a seamless end-to-end digital lending experience. This position plays a key role in supporting the bank's SME growth strategy by enhancing customer experience, improving operational efficiency, and ensuring regulatory compliance.
- Define and Prioritize the Product Backlog for SME Digital Lending - Gather requirements from key stakeholders including Risk, Credit, Legal, Compliance, Operations, and Business. Translate requirements into clear, actionable user stories. Maintain and prioritize a product backlog that reflects customer needs, business goals, and regulatory compliance.
- Champion the Customer Experience for SME Customers - Represent the voice of SME customers and relationship managers in product development discussions. Conduct interviews, surveys, and usability testing with SMEs to validate pain points and product-market fit. Collaborate with UI/UX designers to ensure intuitive digital journeys for loan applications, approvals, servicing and product bundling.
- Collaborate with Tech, Risk, Credit, and Data Science Teams to Deliver Product Features - Work closely with Tech, QA, Data Science, and credit policy teams to design and implement features such as automated credit scoring, document verification, and loan disbursement.
- Ensure Compliance and Risk Controls are Embedded in the Product - Engage Legal, Compliance, and Risk teams early in the product lifecycle. Incorporate necessary controls, audit trails, and risk assessment logic into the product design. Stay updated with regulatory changes from central bank and ensure product compliance.
- Measure and Optimize Product Performance - Define key performance indicators (KPIs) such as loan approval rate, TAT, NPS, and conversion rates. Analyze user behavior and loan performance to optimize features and processes. Report regularly to senior management and adjust roadmap based on insights.
Requirements:
- Bachelor's degree in Business, Finance, Information Technology, or a related field. A Master's degree or MBA is a plus.
- Solid experience in product ownership, business analysis, or digital product development, preferably within banking or financial services.
- Exposure in SME banking, digital lending, or credit-related product domains.
- Proven track record of working in Agile environments with cross-functional teams.
- Certified Scrum Product Owner (CSPO) or equivalent Agile certification (e.g., SAFe PO/PM, PSPO) is preferred.
- Relevant certifications in product management or digital banking (e.g., PMI-ACP, Digital Product Management) are considered an advantage.
- Strong understanding of SME customer needs, lending processes, and credit policy fundamentals.
- Familiarity with digital lending platforms, APIs, and integration with internal/external systems.
- Excellent communication, stakeholder management, and backlog prioritization skills.
- Data-driven mindset with ability to define and track KPIs
