Product Owner – Onboarding

About ENBD

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Trkiye) region with a presence in 13 countries, serving over 9 million customers. Emirates NBD is the leading financial services brand in the UAE with a Brand value of approximately USD 4 billion. We serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With over half a million users, it continues to be the fastest-growing digital bank in the region.

Job Overview

As a Product Owner Onboarding at Emirates NBD, your role is responsible for defining, delivering and optimizing Emirates NBDs onboarding journeys across Mobile app, Web platform and assisted channels.

The role owns the full onboarding lifecycle from prospect to activated customer ensuring:

• Frictionless digital identity verification
• Seamless omni-channel continuity
• Compliance ready and secure KYC processes
• Reduced onboarding time and drop-offs
• Increased activation, funding and product cross-sell

The role acts as the single business owner for onboarding journeys, balancing customer experience, regulatory compliance, operational efficiency and revenue impact.

Key Responsibilities

Product Vision & Strategy

• Define and own the end-to-end onboarding vision across mobile, web and assisted channels
• Develop multi-year roadmap aligned to Retail acquisition targets
• Benchmark journeys against leading local and global digital banks and Fintechs
• Drive localization and regulatory adaptation across markets

Omnichannel Journey Ownership

• Design seamless start-anywhere-finish-anywhere onboarding journeys
• Ensure Omni-channel session continuity (mobile web assisted)
• Reduce manual interventions and increase STP rates

Backlog & Agile Delivery

• Own and prioritize product backlog based on business value and impact
• Write clear, outcome-driven user stories with measurable acceptance criteria
• Partner with Engineering, Architecture and Design for high-quality releases
• Drive sprint predictability and continuous delivery

Digital Identity, KYC & Risk Collaboration

• Partner with Risk, Legal and Compliance to design secure digital onboarding
• Implement intelligent KYC logic and dynamic questionnaires
• Improve fraud detection without increasing customer friction
• Drive biometric, eKYC and digital signature integrations

Performance & Growth Optimization

• Define and monitor onboarding KPIs:
• Conversion rate
• Drop-off rate by step
• STP %
• Cost per acquisition
• Time to account opening
• Activation & first funding rate
• Run A/B experiments to improve journey performance
• Leverage analytics and behavioural insights to increase completion rates

Stakeholder & Cross-Functional Leadership

• Act as primary onboarding representative for Retail, SME, Marketing, Risk and Operations
• Provide regular executive updates on performance and roadmap
• Align onboarding initiatives to enterprise KPIs and digital transformation targets

Innovation & Market Leadership

• Identify new acquisition opportunities (pre-approved offers, instant cards, wallet provisioning)
• Introduce automation to replace manual processes
• Continuously scan industry for emerging onboarding best practices

Skills and Experience

• Minimum of bachelors degree preferably in business studies or technology.
• Previous working experience in agile team set up.
• In depth knowledge of Agile, Scrum, and SAFe methodologies and principles.
• Minimum 7 to10 years of experience in agile delivery & process re-engineering, Business Analysis or Digital Product Delivery within Banking/FinTech.
• Strong understanding of Retail banking products (Accounts, Cards, Loans, FX, Payments), KYC/CDD/AML regulatory processes. Assisted channels (Branch, Agent tools, CRM) and/or ATM/CDM/Kiosk workflows.
• User Experience (UX) Design:

Understanding principles of good UX design.

Knowledge of user journey mapping.

Familiarity with wireframing and prototyping tools.

• Basic Understanding of Mobile Development:

Familiarity with iOS and Android platforms.

Understanding of mobile app development lifecycle.

Knowledge of APIs and integrations.

• Communication and Collaboration Tools:

Tools like Slack, Microsoft Teams.

Documentation tools like Confluence.

Tools like Sketch, Figma, Adobe XD, or InVision

• Creating mockups and interactive prototypes.

Theres never been a better time to join Emirates NBD.

Were one of the regions most recognisable brands. Were banking innovation leaders. Were growing across both the UAE and our global offices. We offer a huge range of professional development opportunities to accelerate your career. It also goes without saying that we provide extremely competitive rewards, benefits and perks too, like our flexible work policy so you can work from home whenever it suits.

At ENBD, we encourage interested candidates to review the key responsibilities and qualifications for each role and apply for positions that match their skills and capabilities.