Job Summary

The role will have ownership of a defined product area covering one to two features, journeys or technology components, providing clear priorities and direction to the associated delivery team(s). Working across Product, Customer Journey, Engineering, Experience Design, Risk, Credit, Operations and business teams, the Product Owner will translate customer and business needs into clear priorities, user stories and incremental delivery. The role requires someone comfortable operating at the intersection of lending, product and technology, balancing customer outcomes, business value, delivery priorities, risk, governance and technical considerations.

Key Responsibilities

Own and manage the product backlog for one to two features, journeys or technology components. • Define, refine and prioritise user stories and acceptance criteria based on customer, colleague and business requirements. • Translate broader product objectives and roadmap priorities into an achievable backlog and incremental releases. • Work closely with the Customer Journey Manager and wider delivery team to identify journey improvements and translate these into deliverable product changes. • Use product performance, adoption and benefits data to inform prioritisation and assess outcomes. • Provide clear day-to-day priorities and direction to delivery teams. • Coordinate dependencies, resolve blockers and work across teams where changes span multiple products or technology components. • Ensure appropriate consideration of product change governance, controls, testing and business readiness. • Identify and evaluate opportunities to improve existing products, processes and services, balancing customer need, value, risk and technical feasibility. • Investigate emerging issues, identify underlying causes and coordinate stakeholders to agree appropriate solutions. • Build effective relationships across business and technology teams and support clear, timely decision-making. • Identify opportunities to improve lending journeys through technology, data and automation, including appropriately controlled AI-enabled capabilities where relevant.

Skill Requirements

Strong experience as a Product Owner, Product Manager or equivalent product/change professional. • Experience owning a defined product, feature, customer journey or technology component. • Practical knowledge of Corporate & Institutional Banking, commercial lending, credit or a closely related financial-services environment. • Good understanding of lending and credit processes and associated customer, operational, risk and regulatory considerations. Product Owner | Grade F | Lending & Credit Transformation • Proven experience owning and prioritising a product backlog. • Strong experience developing and refining user stories and acceptance criteria. • Experience translating product objectives and roadmap priorities into clear deliverables for technology teams. • Experience delivering within Agile, product-led or iterative environments. • Experience working with multidisciplinary teams across Product, Engineering, Customer Journey/Experience Design and business functions. • Strong analytical and problem-solving skills with the ability to assess issues, understand root causes and recommend practical solutions. • Experience using customer, product, adoption or benefits data to inform prioritisation. • Good understanding of risk, controls, governance and business readiness within a regulated environment. • Strong stakeholder management, communication and influencing skills.

Other Requirements

Preference should be given to candidates who also have: • Direct Corporate or Institutional Banking lending transformation experience. • Experience across lending origination, credit assessment, decisioning, documentation and/or fulfilment. • Experience delivering complex technology-led or data-led product change. • Experience working across multiple technology and business teams. • Exposure to automation or appropriately governed AI-enabled change. Candidate profile We are looking for a hands-on, delivery-focused Product Owner who combines strong product ownership capability with an understanding of lending, credit or a comparable financial-services environment. Candidates should be comfortable translating complex business and customer requirements into clear delivery priorities and working closely with technology teams to deliver incremental value. This is not primarily a project management role. Suppliers should look for candidates who can demonstrate genuine ownership of a product backlog, prioritisation, user-story development and decision-making within a multidisciplinary delivery environment. Strong candidates will be able to operate effectively across business and technology, challenge priorities constructively, navigate complex dependencies and maintain a clear focus on customer and business outcomes.