Senior Manager Digital Product Specialist

Senior Manager Digital Product Specialist (Mashreq Digital Bank Pakistan)Senior Manager Digital Product Specialist (Mashreq Digital Bank Pakistan)

Digital Product Specialist has end-to-end responsibility for the development, management, harmonization and phasing out of commercial products, services, channel formulas and processes within one or more segments and is familiar with the relationship between these aspects, with a view to achieving an optimum customer experience.

This concerns a broad specialism regarding the product, channel or market with end-to-end responsibility for the squad's activities. The Customer Journey expert works in a squad within Mashreq's Digital Studio. Works together with other experts to achieve the squad's mission. Has expertise in the areas of marketing, product management, channel and process optimization. Can fulfil the role of Proxy Product owner within a squad. Each squad has one product owner and one proxy product owner. Together they are responsible for defining Stories and prioritizing the Team Backlog to streamline the execution of program priorities while maintaining the conceptual and technical integrity of the Features or components for the team.

Key Result Areas

• Applies profound product/ service knowledge to develop and maintain an attractive and compliant value proposition and delivery excellence for customers.
• Develops, manages, harmonizes and phases out the customer processes of products and services, as well as everyday customer sales.
• Deals with the most urgent incidents and improvement needs.
• Proposes and implements structural improvements to work processes, following improvement needs flagged up from within the touch point.
• Uses his/her technical expertise and experience to contribute to all sprint events (planning, refinements, retrospectives, demos)
• Keeps track of and analyses market and competition developments (in the area of cost price, market price, market share, legislation and regulations, technological developments, distribution methods and other areas).
• Weighs up development of new products and services against procurement of possible sub- products.
• Initiates customer research.
• Designs strategy in the area of products, channels, promotion, pricing, and product and process quality, in keeping with MASHREQ's brand policy and with customer interests as the starting point for their ideal customer journey.
• Translates the strategy into practical policy. Formulates the product, process and channel policy in keeping with:

3) Internal and external legislation and regulations

4) process principles aiming for maximum customer satisfaction and efficiency and the lowest possible cost price.

• Directs implementation of this strategy, tracks squad progress and adjusts wherever necessary in his or her role as a product owner.
• Prioritizes the backlog regarding strategy, customer interests and feasibility in his or her role

as product owner and in consultation with the Digital Studio lead.

• Monitors the planning, budget and requirements and completes backlog items during squad sprints.
• Weighs up the implications of margins, volumes and market shares and sets targets, always keeping customer interests a priority.
• Design, maps and improves the performance of Customer Journeys through identifying and collecting available CX and data, and translating UX and IT-landscapes.
• Applies marketing and communication practices to develop and maintain an optimal (digital) mix for channel and/or segments performance
• Has up-to-date knowledge of the business domain and the underlying application architecture + relevant IT landscape and technologies. Knowledgeable on IT opportunities to support business goals. And is able to translate business solutions into working software by collaborating with IT engineers.
• Provides product information to internal and external parties (such as the press and PR, interbank consultations, internal and external suppliers, consumer and interest groups, industry regulators and the government).

Operating Environment, Framework and Boundaries, Working Relationships

• Masters the fundamentals of all core capabilities of CUSTOMER JOURNEY and has profound knowledge in one field of expertise for which he or she is regarded as go- to person within the team.
• Develops conceptual models for problem areas and applies these effectively.
• Delivers a structural contribution to the Customer Journey craftsmanship.
• Is open for feedback on own performance and is looking actively for coaching by proficient and expert colleagues.
• Follows advanced training and is certified in several fields
• The job level for typically the >3 years of experience within CUSTOMER JOURNEY.

Problem Solving

• Thinking out of the box.
• Critical thinking and ability to solve complex problems by breaking them down.
• Identify the solutions of the given problem in hand within the available resources.

Decision Making Authority & Responsibility

• Decision making ability on the customer journeys that delivers the best experience to the end users.
• Decision on daily project/product priorities to achieve the assigned tasks/projects within the given timelines.

Knowledge, Skills and Experience

• Minimum of 3-4 years of banking experience, other related project work experience, or demonstration of high level of understanding of the banking industry
• Minimum of 3 years of experience gathering requirements and translating into user requirements, data engineering, data science, or software engineering experience
• Background in engineering, technology, or UX preferred
• Experience as a Product Manager with software products
• Strong knowledge of software development lifecycle
• Experience in Agile methodologies
• Strong negotiation and leadership skills
• Excellent communication and presentation skills with a high degree of comfort in speaking with senior leaders
• Must be a strong collaborator, team player, and individual contributor
• Strong analytical and quantitative skills
• Demonstrated ability to think both strategically and tactically
• Brings a high-energy and passionate outlook to the job and can influence those around them
• Able to build a sense of trust and rapport that creates a comfortable & effective workplace
• Passion for innovation and "can do" attitude

Seniority level

• Seniority levelAssociate

Employment type

• Employment typeFull-time

Job function

• Job functionProduct Management
• IndustriesBanking

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