Vice President, Product Owner - GTB Channels.GTB - Channel Management-Shared.Corporate & Investment Banking Group

Job Purpose
GTB Channels Product Owner (PO) role will have overall accountability and ownership to build, develop, commercialize, improve adoption and performance of Mashreq’s corporate digital channels, such as NEO CORP (online corporate channel), Mobile App, Host-to-Host (H2H) and SWIFTnet, and third-party platforms—integrated with Cash and Trade product engines. PO will own the channel enhancement backlog, and work closely with clients and key stakeholders like Product, CXC, Technology, Operations, Compliance and Islamic team to articulate requirements, write use cases, user stories, BRDs, create roadmaps, maintain the backlog, ensure timely delivery and roll out of functionalities across markets.

The Channels PO role is pivotal in ensuring accelerated delivery of critical enhancements, rapid execution of our plans by working closely with clients as well as internal stakeholders. Being onshore is critical because this role requires direct engagement with key stakeholders, fast decision-making, and real-time coordination across Product, CXCG, Sales, Operations, Technology, and Client teams. Onshore presence enables faster resolution of complex issues, addressing feedback, adherence to regulatory and compliance requirements, and alignment with market-specific nuances.

The incumbent will work in close collaboration with GTB Product (Cash and Trade), Customer Experience and CIBG Technology and Operations. Key part of the job will be to gather requirements, writing use cases, user stories, Business Requirement Documents (BRD), development roadmaps, maintain the backlog, roll out functionalities and support key client mandates through digital channels. The role requires strong understanding of Transaction Banking Products, Core Banking, Payment infrastructure, client connectivity requirements and new age digital solutions for Payments, Collections and Trade Finance. This role bridges business strategy and technology execution, ensuring that channel capabilities align with client needs, regulatory expectations, and the bank’s overall digital transformation agenda.

Key Result Areas
• Own the channel product backlog – Work with the product management, customer experience, Technology, compliance, Sharia team to ensure channel products are prioritized and abide by the specifications and expectation as set by Product Management, regulators, and clients working environments.
• Drive Channel Performance – drive the overall performance of channels, offering GTB products by developing, enhancing and launching new capabilities and driving initiatives for existing products to grow client adoption.
• Understand the market dynamics – constant monitoring the market evolution for regulatory changes, trends, drivers, client needs and competitor offerings through market analysis, feedback from Sales, direct client interaction, contribute in winning key deals and feedback from voice of the client surveys
• Execute Channel Strategy – know the market landscape and drivers, core product proposition, target market and client segments, build channel connectivity and capability , and track the usage w.r.t. client adoption, functional utilization, digital penetration, volumes/revenues flow through channels, capability assessment and continuous improvement in channel offerings.
• Drive Digital Innovation – establish processes and checkpoints to identify opportunities to develop new products and enhance existing products based on market/sales feedback, client needs and/or regulatory changes. Prioritise the development pipeline based on a sound commercial assessment of each opportunity and review the quality of investment plans before the team seeks formal approvals. Constantly review the Minimum Value Proposition (MVP) for the product set against each target segment as well as defining the future roadmap for an Enhanced Value Proposition (EVP) to stay ahead of the market and position Mashreq as the leading innovator in the region.
• Commercialise Digital Propositions – lead and execute a commercialisation plan for each channel capability such as Corporate API Solutions, develop marketing/sales materials, product training for Sales and Coverage and client education events. Track and monitor execution of these plans through regular reviews and identify any issues where help is required to remove roadblocks.
• Customer Experience –ensure highest channel product quality and client usability, ensure all enhancement value is captured and agreed by proudest management
• Expertise - Domain knowledge in Corporate Digital channels, User Interface and User Experience (UI/UX) along with Transaction Banking products such as Cash Management, Payments, Trade and Supply Chain is expected to the expert level with clear examples of digital transformation, implementations in a developed market covering all aspects, products, operational processes and clients experience, act as a point of reference in business domain
• Support Product Management – monitor participation of team members in the working level product development teams. Ensure the scope of each product build/enhancement is clearly defined in relevant Business Requirements Documents and touch base with the Product Heads regularly to check that Product Managers are providing effective inputs and supporting key deliverables such as the development of test cases, standard operating procedures, and product implementation guides
• Stakeholder Management - Engage directly with senior stakeholders in Operations, Service, Technology, Risk, Legal and Compliance to ensure they are supporting key improvement initiatives.

Knowledge, Skills and Experience
• 15 – 20 years of digital channel design experience in wholesale/corporate banking platforms such as online banking platform, Mobile App, APIs, H2H etc
• Strong understanding of Transaction Banking Product, processes and Channels catered to cash management products ideally in global or large regional bank
• Track record in developing and successfully commercialising new digital capabilities
• Experience in agile product development approaches
• Strong people management skills
• Strong analytical and data rationale mindset
• Strong communication ability and executive impact