Product Owner

Join us as a "Product Owner " at Barclays, where you'll spearhead the evolution of our digital

landscape, driving innovation and excellence. You'll harness cutting-edge.

technology to revolutionize our digital offerings, ensuring unapparelled.

customer experiences.

This role will specifically be within the Pricing & Risk team, who focus on the below:

- Identify, prioritize, and deliver a pipeline of tactical initiatives to increase gross lending via risk policy Optimization.
- Embed and manage monthly Risk Optimization performance monitoring including forecasting, industry review insights and initiative impact tracking (to feed into MTP and Outlook process).
- Support the delivery of strategic enhancements to improve automation of lending decisions by working with stakeholders from across the business, including Tech, Risk and Product.
- Manage the Pricing Helpdesk, supporting the delivery and enhancement of operational processes and managing pricing desk policies and procedures.
- Support the delivery of Pricing strategy and Optimization, working closely with ACE, Risk and Finance teams to complete regular pricing reviews of Lending products: Mortgages, Secured and unsecured loans, Overdrafts, Partnerships (e.g. Propel) and all associated features (e.g. ERF, fees, breakage costs, volatility buffer).

Basic Qualifications:

- Strong analytical skills. Ability to analyze large datasets and extract meaningful information, and a strong track record in using data to generate actionable insights, in addition to experience using ALS tables.
- Communication Skills. Strong written and verbal communication skills
- Problem-Solving. Being able to tackle complex tasks and find appropriate solutions.
- Some understanding of credit risk metrics (such as credit scores, financial ratios, and industry benchmarks) and current risk policy and processes for making informed lending decisions
- Market Knowledge: market trends, interest rate movements, and competitive landscape to make informed lending decisions is a plus.
- Business Acumen and Risk Management: Understanding of the broader business strategies to align lending decisions with Barclays objectives and risk appetite.
- Contribute ideas as to how Barclays can respond to disruption from new business models, including disruptive models enabled by new Fintech developments.
- Leverage partnerships with teams across Barclays to understand and optimize the operational model to deliver good customer outcomes, efficiencies in the business and reduce the cost of operating the business with digital and data driven design in line with Consumer Duty and PCIP regulatory requirements.
- Advise and influence decision-makers using data, evaluative judgement and comprehensive understanding of the products and services within the team’s remit.
- Possess strong awareness of, and be able to apply, the regulatory and legal requirements needed to maintain product/service integrity and manage risk in the team by creating reliable and sustainable solutions for mitigating risk; resolving audit findings; reporting at relevant governance fora; making timely escalations and adhering in all ways to the Enterprise Risk Management Framework

Purpose of the role
- To manage and develop existing and new products and/or services; and where applicable, ownership of related customer and colleague journeys, develops the product strategy, drive change through Barclays execution teams, make key decisions in the product lifecycle and own associated outcomes for customers, colleagues and the bank, achieved through appropriate service level agreements, regulatory compliance, risk management and controls.

Accountabilities
- Development of customer level strategies & solutions that are tailored to customers’ needs.
- Development of product propositions, and/or service strategy, define the priorities for delivering the outcomes needed to deliver the strategy and lead execution of the priorities.
- Development of different commercial and business models through a strong understanding of the financial drivers of the P&L for the relevant segment/ proposition/ journey.
- Evaluation of the technical feasibility, legal compliance, and potential risks associated with the development and launch of the new product.
- Monitoring of market trends and analysis feedback from internal employees and target customers through prototypes, user testing sessions, and beta programs to identify areas for improvement to refine the product / process before launch.
- Management of comprehensive launch plans and technical deployments for products that establish rollout timelines, marketing strategies, training initiatives and communication channels to promote the launch new products effectively.
- Monitoring of key metrics such as adoption rates, usage patterns, customer satisfaction (including complaints), and revenue generation to assess the product's performance against set goals.

Assistant Vice President Expectations
- Con