Product Owner ofertas em Indonésia

Role : Associate Product Manager - Business Liabilities

Location : Dubai

Role Purpose:

The role supports the Business Banking Division (BBD) in executing product development initiatives for liabilities, cash management & other BBD products. The incumbent plays a strategic role in managing the lifecycle of Business Liabilities products including documentation, pricing, reporting, and stakeholder coordination. Working under the supervision of the Product Manager - Business Liabilities, the role contributes to commercialization, process optimization, and product enhancement aligned with BBD\'s strategic goals.

The incumbent supports the management of Liabilities product programs (PPG) and assists in maintaining updated product and procedure manuals. This includes product plan, design, and end-to-end ownership of all aspects of the product performance. This also includes planning for business liabilities, fees, and revenue growth through assessment of potential risks involved in the BBD segment, pricing strategy, and profitability targets.

This will require complete integrity of the process with proactive identification and closure of process gaps. Contributes to product planning, design, and performance tracking in coordination with the Liabilities Product Manager.

• Revenue: BBD revenues generated from Liabilities and cash management products.
• Commercialization: Define business opportunities and provide support on products deliverables.
• Product knowledge: Lead strategic planning and execution of Business Liabilities product initiatives.

• Drive product development, Fees strategies, and market segmentation.
• Support in defining product programs, pricing policies, and process enhancements.
• Identify any revenue leakages and escalate for immediate rectification.
• Manage cross-functional coordination with Legal, Sharia, Compliance, Operations, and Marketing.
• Oversee product documentation, training materials, and stakeholder communication.
• Generate and analyze MIS reports on product performance, customer behavior, and fee income.
• Lead product commercialization efforts and ensure regulatory compliance.
• Ensure compliance with internal controls and regulatory requirements.
• Support training and enablement initiatives for front-line teams.
• Contribute to market research and competitor benchmarking to identify product improvement opportunities.
• Provide operational support for the product team and customer service units.
• Perform market scan for competitive pricing policies and tariff structure to maximize product profitability.
• Developing, reviewing and keeping up-to-date with marketing, collateral and transaction documentation.
• Promotion of liabilities products in coordination with the Marketing team to create internal and external marketing materials.
• Support the development and execution of campaigns in collaboration with the Product Manager.
• Liaise with stakeholders to sign off official documents of assigned products and services.
• Support the development of new policies, procedures and process flow with the coordination of Sharia, Legal, ITD, ICD, CRM, etc.
• Monitor portfolio performance and key KPIs for BBD.

• Analyze markets and products to identify business opportunities and generate new business ideas within the cash and digital domain in SME banking.
• Performing data analysis to generate business insights to support decisions on products cross-sell and value proposition enhancement.

• Create training materials of BBD products to equip front-liners with required knowledge.
• Address any sales enquiries/complaints generated from front-liners.
• Enhance internal and external forms for account opening & service.

• Bachelor\'s degree in Business Administration, Finance, or related field.
• Good understanding of product development, cash management, and delivery channels.
• Deep understanding of SME banking practices, regulations and risks and industry standards.
• Strong communication, analytical, interaction and organizational skills.
• Ability to work under pressure and manage multiple tasks.
• Capable of preparing reports, business correspondence, and manuals.
• Analyze and understand business risks, benefits, and outcomes with clear documentation of the same.

• 8-10 years of banking experience with strong domain knowledge in product management.
• Comprehensive knowledge in business liabilities and cash management solutions for SME.
• Proven track record in strategic planning, product development, and commercialization.
• Understand the business liabilities dynamics and ability to transform processes.
• Understand Business Banking segments in terms of customer\'s persona and journey.
• Experience in digital banking platforms and product innovation.
• Strong analytical and communication skills.