Technical Product Manager

Job Title: Lead / Principal Product Owner – BFSI & Credit Bureau Integration

Location: Dubai

Department: Product & Engineering

Employment Type: Full-time

Experience Level: 10–12 Years

Position Overview

We are seeking a seasoned, high-caliber Lead Product Owner with 10–12 years of experience in the BFSI sector to drive the strategy, execution, and continuous optimization of our core financial products. In this role, you will bridge business strategy, engineering, and data compliance, taking full ownership of end-to-end credit assessment, credit scoring, and bureau integration pipelines (e.g., CIBIL, Experian, Equifax, TransUnion, CRIF High Mark).

You will work closely with Risk & Compliance, Credit Engineering, Analytics, and Business Development teams to build scalable, high-throughput financial products that power real-time underwriting and lending workflows.

Key Responsibilities

Key Summary of the Role Requirements

• Role Objective: Lead end-to-end requirement definition, backlog management, and feature delivery for ECB's self-service API Developer Portal to streamline partner onboarding for distribution channels such as government super-apps (DubaiNow, TAMM) and financial institutions.

Core Responsibilities:

• Define functional requirements and user stories for core data APIs (Credit Score, Credit Report, and Configurable Reports) and developer lifecycle stages (Browse, Register, Sandbox Integration, Qualify, Bill, and Support).
• Manage product backlogs across 14 Agile sprints (following discovery) using JIRA, Confluence, and MoSCoW prioritization.
• Align stakeholder needs across ECB Customer Experience (CX), Technology Delivery, Technology Operations, and third-party partner integration teams.
• Oversee technical workflows involving MuleSoft Anypoint, Azure API Management, Azure AD B2C authentication, UAE Pass consent integration, and MS Dynamics 365 CRM/ERP billing.
• Ensure strict adherence to UAE Data Residency mandates and enterprise security policies (OAuth2, JWT, Azure Key Vault).
• Desired Qualifications: 10+ years in Fintech/Banking technical product management with expertise in RESTful APIs, Swagger/OpenAPI specifications, Agile methodologies, and cross-functional team coordination

Required Qualifications & Experience

• Experience: 10–12 years of overall experience as a Product Owner, Business Analyst, or Technical Product Manager within BFSI, Digital Lending, Fintech, or Core Banking.
• Domain Expertise: Deep domain expertise in Credit Bureau Operations (CIBIL, Experian, Equifax, TransUnion, etc.), including bureau report parsing, credit score factors, tradeline analysis, and inquiry monitoring.

Technical Proficiency:

• Hands-on experience with RESTful APIs, microservices architecture, JSON/XML parsing, and system integration patterns.
• Strong working knowledge of Decision Engines (e.g., FICO, Blaze Advisor, Drools), Business Rules Management Systems (BRMS), and Workflow Automation tools.
• Proficiency in SQL for data querying, data profiling, and validation.
• Agile Leadership: Proven track record of leading Scrum teams in fast-paced Agile environments using Jira, Confluence, or Azure DevOps.
• Education: Bachelor's or Master's degree in Computer Science, Engineering, Finance, Business Administration, or a related field.

Preferred Skills & Certifications

• Certifications: Certified Scrum Product Owner (CSPO), Professional Scrum Product Owner (PSPO), or SAFe Product Owner/Product Manager (POPM).
• Experience with open banking APIs, account aggregators (AA), and alternative credit scoring models.
• Strong familiarity with analytics and visualization tools (e.g., Mixpanel, Tableau, Power BI) to track product usage and decision funnel conversion metrics.

Key Competencies

• Strategic Problem Solving: Ability to decompose complex financial rules and regulatory frameworks into clean, execution-ready tech requirements.
• Cross-Functional Influence: Highly articulate in presenting technical roadmaps to non-technical business executives and translating business strategy to developers.
• Data-Driven Decision Making: Relies on data, error metrics, and conversion funnels rather than intuition to drive product decisions.