Key Result Areas

A. Product Ownership & Egypt Digital Roadmap

• Own assigned Egypt mobile / online banking initiatives and represent the country business requirements throughout the product lifecycle.

• Convert business needs into clear requirements, user stories, customer journeys, acceptance criteria and MVP / release scope.

• Partner with the Mobile Banking Product Owner / squad, Group Digital and UAE teams to align Egypt priorities with the group backlog and Digital 3.0 roadmap.

• Support the Quarterly Priority Meeting (QPM) process by consolidating, challenging and prioritizing country demand across Retail Banking products, segments and digital squads.

• Maintain delivery visibility, dependency tracking, risk escalation and country commitment follow-up for assigned roadmap items.

B. Commercialization, Business Cases & Go-to-Market

• Develop business cases and commercialization plans for new features, journeys and propositions, including customer need, expected adoption, financial / commercial impact, cost impact and implementation dependencies.

• Own go-to-market readiness for assigned launches including target segment, channel placement, customer communication, content approvals, FAQs, operational readiness, training and launch calendar.

• Drive in-app cross-sell and product discovery opportunities across relevant Retail Banking products and ensure each launch has clear commercial and customer KPIs.

• Conduct 30 / 60 / 90-day post-launch performance reviews and recommend corrective actions where expected benefits are not realized.

C. Customer Adoption, Engagement & Experience

• Drive adoption and active use of delivered capabilities through in-app placement, communication, education and targeted activation.

• Contribute to the growth of credentialed users, digitally active customers and feature usage, and support improvement of Android / iOS app ratings through experience enhancements.

• Analyze customer feedback, complaints, drop-offs, usage analytics and market benchmarks to identify product and journey improvements.

• Work with CRM / communications teams on push, SMS, email, WhatsApp and in-app journeys linked to launch and adoption objectives.

D. Delivery, Regulatory & Launch Governance

• Coordinate business readiness across Technology, Operations, Marketing, Compliance, Legal, Risk, InfoSec and relevant vendors / squads.

• Own business-side UAT planning, defect follow-up, sign-off readiness and launch acceptance for assigned initiatives.

• Coordinate required CBE approvals / notifications, InfoSec reviews and penetration-testing dependencies through the relevant control owners before go-live.

• Ensure production releases follow approved change, control and sign-off processes, with clear post-launch monitoring and issue escalation.

• Maintain complete audit-ready documentation for requirements, approvals, UAT, business case, launch decisions and benefit tracking.

E. Digital 3.0 Localization & Innovation

• Assess and localize relevant Group Digital 3.0 capabilities for the Egypt market in line with customer need, technical feasibility and CBE requirements.

• Support Egypt requirements for dashboard / product discovery, quick actions, notifications, personalization, transaction insights and other mobile experience enhancements.

• Identify practical opportunities to improve time-to-market, customer experience and commercial outcomes using approved digital capabilities and emerging technologies.

Operating Environment, Framework and Boundaries, Working Relationships

Internal:

• Head of Digital Banking & Innovation; Senior Manager E-Channels; Retail Banking product and segment heads; NEO; KYC; Deposits; Assets; Payments; Website; CRM / CVM; Marketing; Operations; Compliance; Legal; Risk; InfoSec; Finance; PMO; local Technology and Group Digital / UAE squads.

External:

• Technology / digital vendors and service providers as applicable; supports regulatory and third-party engagement through the responsible internal functions.

Problem Solving

• Convert ambiguous or competing business requests into structured product requirements and prioritized delivery options.

• Balance customer value, commercial benefit, regulatory requirements, operational risk, technology feasibility and limited squad capacity.

• Resolve cross-functional dependencies and escalate material blockers early to protect committed delivery dates.

• Use data, customer feedback and market intelligence to identify root causes and recommend practical product / journey improvements.

• Operate effectively in a matrix environment where delivery resources and decision makers sit across Egypt and Group functions.

Decision Making Authority & Responsibility

• Own and recommend the business scope, requirements, priorities and commercialization approach for assigned mobile / online banking initiatives.

• Challenge incomplete requirements, weak business cases or launches that are not commercially, operationally or control ready.

• Recommend prioritization based on business value, customer impact, regulatory urgency, dependencies and delivery capacity.

• Provide business acceptance / UAT recommendation for assigned initiatives and escalate unresolved risks prior to launch.

• Own post-launch KPI tracking and recommend corrective action, enhancement or de-prioritization where expected benefits are not achieved.

• Influence senior stakeholders and squads without direct authority to deliver country commitments within agreed timelines.

Knowledge, Skills and Experience

• Bachelor’s degree in Business, Finance, Engineering, Technology or a related discipline.

• Minimum 5–7 years of relevant experience in digital banking, fintech, digital product management, product ownership, digital channels, business analysis or product commercialization.

• Strong understanding of mobile / internet banking journeys and Retail Banking products including accounts, deposits, cards, payments, transfers and digital servicing.

• Hands-on experience with business requirements, user stories, Agile delivery, backlog prioritization, UAT, release management and go-to-market execution.

• Commercial mindset with ability to build business cases and measure adoption, customer and financial benefits after launch.

• Good understanding of banking control requirements including CBE approvals, InfoSec / penetration testing and production release governance.

• Strong analytical, presentation, stakeholder-management, negotiation and written communication skills.

• Ability to work with senior stakeholders, cross-functional squads and external vendors in a high-pressure, deadline-driven environment.

• Excellent command of English and Arabic.