Job Summary

We are looking for an experienced Product Owner to support a major lending transformation programme within Corporate & Institutional Banking (CIB), helping to create faster, simpler and more effective outcomes for clients, colleagues and the business. The Product Owner will take ownership of a product backlog spanning two to three features, journeys or technology components, providing direction and priorities across multidisciplinary delivery teams and overseeing the delivery of incremental value. You will help shape the product vision and roadmap, translating complex business and user needs into clear outcomes, prioritised backlog items and developer-ready user stories. Working closely with the Customer Journey Manager and wider Product, Experience Design, Engineering, Risk, Credit, Operations and Data teams, you will ensure that solutions address customer needs while balancing commercial value, lending risk, governance, technical feasibility and dependencies. The role sits at the intersection of lending, product, data and technology and will also support opportunities to use automation and appropriately governed AI-enabled capabilities to simplify workflows, improve decision-making and support scalable growth across CIB lending. 

Key Responsibilities

Own and manage a product backlog spanning two to three features, journeys or technology components, providing clear prioritisation and direction across associated multidisciplinary delivery teams. • Shape the product vision and roadmap for relevant lending capabilities, aligning priorities to wider CIB objectives and delivering incremental value for clients, colleagues and stakeholders. • Prioritise and refine the product backlog, translating business and user requirements into clear outcomes, acceptance criteria and developer-ready user stories. • Balance customer value, business benefit, risk, effort, dependencies and technical feasibility when making product decisions. • Work closely with the Customer Journey Manager, Experience Design, Engineering and business specialists to improve end-to-end journeys and ensure solutions reflect the needs of clients, Relationship Managers, Credit teams and Operations. • Establish appropriate product measures and use performance, adoption, financial, benefits-realisation and customer data to inform decisions and demonstrate value. • Lead product discovery, bringing together customer insight, colleague research, operational experience and data to frame problems, assess opportunities and develop evidence-led solutions. • Provide product leadership from discovery through delivery, release and adoption, managing dependencies and blockers and coordinating with other Product Owners and teams where change crosses product or platform boundaries. • Ensure appropriate product governance, risk management and business readiness, including controls, testing, training, communications, implementation readiness and contingency planning. • Build alignment across CIB, Credit Risk, Operations, Technology, Data, Compliance and other relevant functions, clearly communicating priorities, trade-offs and dependencies. • Identify opportunities to simplify and improve products and processes through technology, automation and appropriately governed AI-enabled capabilities.

Skill Requirements

Suppliers should prioritise candidates who can demonstrate: • Proven experience as a Product Owner, Lead Product Owner or Product Manager within a complex enterprise environment. • Experience owning and prioritising a significant product backlog spanning multiple features, journeys or technology components. • Strong knowledge of Corporate & Institutional Banking, commercial lending, credit or a closely related financial-services environment. • Understanding of lending origination, credit assessment, decisioning, documentation and fulfilment, together with associated risk, regulatory and operational considerations. • Demonstrable experience shaping product vision, strategy and roadmaps and translating these into outcome-led backlogs, user stories and acceptance criteria. • Strong product discovery, problem-framing and analytical capability, with experience combining complex information from multiple sources to identify needs and develop solutions. Product Owner | Grade F | Lending & Credit Transformation • Strong data and commercial literacy, using product performance, benefits, financial, adoption and customer insight to inform prioritisation and evaluate outcomes. • Experience leading delivery through Agile, iterative or product-led environments, managing dependencies and maintaining momentum across multidisciplinary teams. • Strong stakeholder management, communication and influencing skills, including the ability to explain trade-offs and secure decisions from senior stakeholders. • Experience operating within complex risk, control and governance frameworks, balancing innovation and speed of delivery with regulatory, security and operational requirements. • Ability to operate strategically 

Other Requirements

Desirable experience It would be particularly beneficial for candidates to have: • Direct experience applying product practices within Corporate or Institutional Banking, particularly lending or credit transformation. • Experience working across complex client, credit, risk or regulatory journeys. • Experience delivering significant technology-led or data-led transformation. • Experience delivering automation, AI or Machine Learning capabilities within an appropriately governed environment. • Knowledge of relevant Responsible AI governance and control requirements. • Experience working across multiple platforms, technology teams and business functions. Candidate profile We are looking for a senior, hands-on Product Owner who combines strong product leadership with practical delivery capability. The successful candidate should be comfortable owning a complex product backlog across multiple features or teams, shaping strategic direction and then translating that direction into clear, deliverable priorities. They will need a strong understanding of lending or credit, alongside the ability to operate effectively across business, product and technology. They should be able to challenge assumptions, navigate ambiguity, manage competing priorities and dependencies and influence senior stakeholders while maintaining a clear focus on measurable customer and business outcomes. This is not primarily a project or programme management role. Suppliers should prioritise candidates who can demonstrate genuine product ownership, including vision and roadmap development, backlog ownership, prioritisation, discovery, user-story development and delivery of measurable product outcomes.