About ENBD Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) 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 OverviewAs a Product Owner – Onboarding at Emirates NBD, your role is responsible for defining, delivering and optimizing Emirates NBD’s 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 verificationSeamless omni-channel continuityCompliance ready and secure KYC processesReduced onboarding time and drop-offsIncreased activation, funding and product cross-sellThe role acts as the single business owner for onboarding journeys, balancing customer experience, regulatory compliance, operational efficiency and revenue impact.Key ResponsibilitiesProduct Vision & StrategyDefine and own the end-to-end onboarding vision across mobile, web and assisted channelsDevelop multi-year roadmap aligned to Retail acquisition targetsBenchmark journeys against leading local and global digital banks and FintechsDrive localization and regulatory adaptation across marketsOmnichannel Journey OwnershipDesign seamless start-anywhere-finish-anywhere onboarding journeysEnsure Omni-channel session continuity (mobile ↔ web ↔ assisted)Reduce manual interventions and increase STP ratesBacklog & Agile DeliveryOwn and prioritize product backlog based on business value and impactWrite clear, outcome-driven user stories with measurable acceptance criteriaPartner with Engineering, Architecture and Design for high-quality releasesDrive sprint predictability and continuous deliveryDigital Identity, KYC & Risk CollaborationPartner with Risk, Legal and Compliance to design secure digital onboardingImplement intelligent KYC logic and dynamic questionnairesImprove fraud detection without increasing customer frictionDrive biometric, eKYC and digital signature integrationsPerformance & Growth OptimizationDefine and monitor onboarding KPIs:Conversion rateDrop-off rate by stepSTP %Cost per acquisitionTime to account openingActivation & first funding rateRun A/B experiments to improve journey performanceLeverage analytics and behavioural insights to increase completion ratesStakeholder & Cross-Functional LeadershipAct as primary onboarding representative for Retail, SME, Marketing, Risk and OperationsProvide regular executive updates on performance and roadmapAlign onboarding initiatives to enterprise KPIs and digital transformation targetsInnovation & Market LeadershipIdentify new acquisition opportunities (pre-approved offers, instant cards, wallet provisioning)Introduce automation to replace manual processesContinuously scan industry for emerging onboarding best practicesSkills and Experience Minimum of bachelor’s 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 InVisionCreating mockups and interactive prototypes.There’s never been a better time to join Emirates NBD. We’re one of the region’s most recognisable brands. We’re banking innovation leaders. We’re 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.
Job Title
Product Owner – Onboarding