he Product Owner is responsible for owning the end-to-end delivery, performance, and evolution of a core retail lending product such as unsecured personal loans, credit cards, or mortgages. The role translates retail lending strategy, credit policy, and regulatory requirements into a scalable, customer-centric digital product that delivers measurable commercial, risk, and customer outcomes.
Responsibilities
- Own the product vision, roadmap, and backlog across the full retail lending lifecycle including application, credit decisioning, servicing, and collections
- Translate business objectives, credit risk appetite, and regulatory constraints into clear product requirements and prioritization decisions
- Drive value-based and risk-based prioritization to balance growth, profitability, and compliance
- Provide day-to-day direction to agile delivery squads and ensure timely, high-quality product releases
- Manage scope, dependencies, and trade-offs throughout the delivery lifecycle
- Work closely with Credit Risk, Compliance, Legal, Operations, and Technology teams to ensure policy-compliant and auditable solutions
- Ensure alignment between business strategy, credit policy, and system implementation
- Monitor, track, and optimize key retail lending KPIs including application conversion, approval rates, decisioning turnaround time, delinquency, NPLs, and NPS
- Support continuous improvement through data-driven insights and customer feedback
- Participate actively in Agile ceremonies including backlog grooming, sprint planning, reviews, and retrospectives
- Maintain clear product documentation, user stories, acceptance criteria, and release notes
Requirements
- Bachelor's degree in Computer Science, Business Administration, Engineering, or a related field, or equivalent work experience
- 58+ years of experience as a Product Owner, Product Manager, or similar role within retail banking or consumer lending
- Hands-on experience with retail credit processes including underwriting, decisioning, servicing, and collections
- Proven track record of delivering digital lending products in Agile / Scrum environments
- Strong understanding of retail lending products, credit risk frameworks, and regulatory requirements
- Experience working with complex stakeholder groups across business, risk, compliance, and technology
- Strong analytical, structured problem-solving, and data-driven decision-making skills
- Excellent communication and executive-level stakeholder management capabilities
- Hands-on experience with product and delivery tools such as JIRA and Confluence
- Ability to work independently and manage multiple priorities in a fast-paced environment
