Digital Product Owner Phillip Capital App

Location: Mumbai, India

Reporting To: Head – Digital Client Acquisition

Type: Full‑time

Role Objective

To own and drive the end‑to‑end business and product performance of the Phillip Capital App, ensuring seamless customer journeys, competitive features, technical performance, compliance, and measurable ROI across digital channels.

Key Responsibilities

Customer Journey Ownership

• Optimize login, onboarding, and account activation flows.
• Ensure frictionless order placement in cash segment and mutual funds, with all features customers expect.
• Enable features for derivatives trading, with deep understanding of customer pain points and solutions aligned to end‑user needs.
• Product Lifecycle Management
• Define and own product vision, roadmap, and backlog.
• Use RICE scoring to prioritize initiatives quantitatively.
• Apply MoSCoW categorization to align stakeholders on priorities.
• Write clear user stories and acceptance criteria for development teams.

Competition Benchmarking & Feature Parity

• Map cash segment, mutual fund, and derivatives features against the top 5 brokers, ensuring Phillip Capital App offers all critical features customers use.
• Document competitive gaps clearly and propose enhancements to close them.
• Ensure benchmarking translates into higher adoption, trading volumes, and brokerage revenue.
• Own the business success of the app as a measurable outcome.
• Customer Feedback & Ratings
• Monitor app ratings and reviews across platforms.
• Analyze customer feedback to identify pain points and improvement areas.
• Drive initiatives to improve ratings and customer satisfaction.
• Usage & Revenue Metrics Ownership
• Monitor and own key app metrics:
• Number of customers trading via the app
• Average orders placed per user
• Brokerage generated through the app
• Publish these metrics regularly to management, demonstrating the impact of product improvements.
• Performance Monitoring
• Continuously monitor app speed and responsiveness across segments.
• Regularly test and validate that all features are functioning correctly.
• Identify, integrate, and manage external tools to monitor app performance and proactively resolve issues.

Documentation & Testing

• Prepare and share detailed Business Requirement Documents (BRDs) with product, design, and engineering teams.
• Translate customer journey insights into clear requirements and acceptance criteria.
• Ensure all test cases are defined, shared, and validated before release.
• Collaborate with QA teams to monitor test execution and resolve defects.
• Error Monitoring & Compliance
• Track and resolve critical errors such as login failures, order execution issues, and transaction errors.
• Establish proactive processes to identify, escalate, and fix customer‑impacting issues.
• Ensure regulatory and compliance standards are maintained across all app features and customer journeys.
• Collaborate with risk and compliance teams to validate new features before release.
• A/B Testing & Data‑Driven Improvements
• Conduct A/B testing for new features and UI/UX changes to evaluate customer behaviour.
• Share test results with management and recommend changes backed by clear data.
• Ensure all product decisions are evidence‑based, driving measurable improvements in adoption, engagement, and ROI.

Digital Asset Parity & Device Monitoring

• Ensure parity across all digital assets (desktop trading platform, website, and app), highlighting or driving changes where needed.
• Monitor app performance across iOS and Android platforms.
• Test app behaviour across different handsets and operating systems to ensure customers are not impacted by device‑specific issues.
• Security & Data Privacy
• Ensure compliance with data protection regulations (SEBI, RBI, GDPR equivalents).
• Collaborate with InfoSec teams to safeguard customer data and transactions.
• Monitor vulnerabilities and ensure timely patching.
• Accessibility & Inclusivity
• Ensure app and digital assets are accessible across languages, regions, and user segments.
• Incorporate accessibility standards (WCAG compliance) for differently‑abled users.
• Innovation & Emerging Tech
• Explore integration of AI/ML, robo‑advisory, and personalization engines.
• Evaluate fintech partnerships and APIs that enhance customer experience.
• Governance & Risk Management
• Establish governance frameworks for feature releases and change management.
• Ensure risk assessments are conducted before new launches.
• Stakeholder Communication
• Act as the single source of truth for product vision, roadmap, and KPIs.
• Provide regular updates to leadership on progress, risks, and opportunities.
• Align cross‑functional teams (engineering, design, marketing, compliance) with business goals.

Required Skills & Experience

• 10 -12 years in digital product management or product ownership roles.
• Strong understanding of capital markets, trading platforms, mutual fund distribution, and derivatives trading.
• Proven track record in customer journey design, UI/UX optimization, competition benchmarking, performance monitoring, error/compliance management, and A/B testing.
• Experience applying RICE and MoSCoW frameworks for prioritization.
• Familiarity with Agile methodologies and backlog management.
• Knowledge of security, accessibility, and governance frameworks.
• Analytical mindset with ability to interpret data and drive ROI.
• Excellent stakeholder management and communication skills.