Product Owner – Banking Workflow and AI Platforms

Role overview

The Product Owner will lead requirements, backlog

management and functional delivery for enterprise banking and

financial-services platforms.

The role combines product ownership and business

analysis, working with business stakeholders, banking domain specialists,

architects, engineering and QA teams to translate complex business processes,

regulatory requirements and operational needs into clear, implementable product

requirements.

The individual should bring a strong understanding of

banking operations and be comfortable working across areas such as customer

onboarding, KYC, compliance, lending, servicing, workflow automation,

operational controls and AI-enabled solutions.

Key responsibilities

• Own

and maintain the product backlog, prioritising requirements based on

business value, regulatory considerations, dependencies and delivery

capacity.

Lead

discovery and requirements workshops with banking business, operations,

compliance, risk, credit, legal and technology stakeholders.

Understand

existing business processes and help define target processes, customer and

user journeys, operating procedures, roles, approvals, SLAs and exception

handling.

Translate

business needs into structured business requirements, process flows, user

stories, business rules and measurable acceptance criteria.

Define

requirements for banking workflows including onboarding, customer

servicing, KYC, verification, compliance processes, lending, approvals,

exceptions and operational reviews.

Work

with banking domain specialists to define product rules, eligibility

criteria, validation requirements, decision logic and operational

controls.

Shape

user experiences including workbenches, task queues, dashboards, case

views and role-specific interfaces.

Work

with architects and engineering teams to define functional requirements

for APIs, data exchange, integrations, access controls, audit trails and

system dependencies.

Define

requirements for AI-assisted capabilities such as document processing,

information extraction, information comparison, knowledge retrieval,

report generation, decision support and operational assistance.

Ensure

appropriate human review, controls, explainability and

exception-management mechanisms are incorporated into AI-enabled

processes.

Maintain

requirements traceability and provide functional clarification throughout

design, development, testing and implementation.

Support

backlog refinement, sprint planning and prioritisation in collaboration

with engineering and delivery teams.

Coordinate

business validation and UAT, assess defects against agreed requirements

and acceptance criteria, and support release readiness.

Support

phased releases, operational handover, user documentation, training and

adoption activities.

Manage

changes to requirements and clearly communicate implications for scope,

effort, dependencies, timelines and business outcomes.

Identify

opportunities to simplify processes, reduce manual effort and improve

control effectiveness through workflow automation and AI.

Required experience and skills

• Typically
• 10+ years of experience in business analysis, product ownership or
• functional consulting, including 4+ years owning a product backlog or
• leading functional delivery.
• Experience
• delivering enterprise technology solutions within banking or financial
• services.
• Good
• understanding of banking processes, operations and controls.
• Exposure
• to areas such as customer onboarding, KYC, compliance, payments, lending,
• credit, servicing, operations or financial crime processes.
• Strong
• hands-on requirements analysis and documentation skills, including process
• modelling, user stories, business rules and acceptance criteria.
• Experience
• with workflow automation, case management, approvals, exception
• management, role-based access, SLAs and audit requirements.
• Ability
• to understand APIs, data models, integrations and system interactions
• sufficiently to define functional behaviour and work effectively with
• technical teams.
• Experience
• working with Agile delivery teams, including backlog refinement, sprint
• planning, demonstrations, UAT and production releases.
• Strong
• stakeholder-management and workshop-facilitation skills.
• Ability
• to work with senior business, operations and technology stakeholders and
• translate between business and technical teams.
• Ability
• to challenge unclear requirements, resolve conflicting priorities and
• maintain scope discipline.
• Strong
• analytical, problem-solving and written communication skills.
• Working
• knowledge of tools such as Jira or Azure DevOps, Confluence and
• process-modelling applications.

Preferred experience

• Experience
• across one or more banking domains such as retail banking, corporate
• banking, lending, payments, wealth management, financial crime, compliance
• or banking operations.
• Exposure
• to customer onboarding, KYC, due diligence and regulatory-control
• processes.
• Experience
• with lending, credit assessment, underwriting or product-management
• workflows.
• Experience
• designing or implementing enterprise workflow and case-management
• solutions.
• Experience
• with AI-enabled document processing, knowledge assistants, intelligent
• workflow automation, decision-support systems or generative AI
• applications.
• Understanding
• of long-running business processes involving multiple systems, teams and
• human approvals.
• Familiarity
• with banking security, privacy, regulatory compliance, auditability and
• operational-resilience requirements.
• Experience
• with target operating models, process transformation, change management or
• technology-enabled business transformation.
• Exposure
• to cloud, data and integration architectures used within banking
• environments.

Expected outcomes

The Product Owner will be expected to:

• Maintain
• a prioritised and implementation-ready product backlog.
• Provide
• clear requirements and acceptance criteria that reduce ambiguity and
• development rework.
• Establish
• alignment between business objectives, banking controls and technology
• implementation.
• Improve
• collaboration between business, domain, architecture, engineering and QA
• teams.
• Support
• predictable and controlled delivery across product releases.
• Ensure
• appropriate business validation and operational readiness before
• production deployment.
• Help
• identify measurable improvements in processing time, manual effort,
• operational visibility, control effectiveness and user adoption.

Qualification

CSPO Certification

Should be open to travel.