Product Owner

Role:The Product Owner is responsible for maximising the value delivered by the Commercial Lending product and ensuring development teams focus on the highest-priority customer, business, and regulatory outcomes. The role acts as the bridge between business stakeholders, customers, technology teams, and delivery teams to shape the product vision, prioritise requirements, and deliver incremental value.Key ResponsibilitiesProduct Strategy & RoadmapDefine and communicate the product vision and strategic roadmap for Commercial Lending capabilities.Align product priorities with business objectives, regulatory requirements, and customer needs.Support the development of OKRs and track product performance and benefits realisation.Identify opportunities to improve customer journeys, operational efficiency, and lending outcomes. Product Backlog ManagementOwn, prioritise, refine, and maintain the product backlog.Define user stories, acceptance criteria, and business requirements.Ensure delivery teams
focus on initiatives that provide the highest business value.Balance customer needs, technical debt, risk, compliance, and platform priorities.Stakeholder ManagementCollaborate with Relationship Managers, Lending Operations, Credit Risk, Architecture, Engineering, and Compliance teams.Act as the primary point of contact for product-related decisions and prioritisation.Manage stakeholder expectations and communicate product progress, risks, and dependencies.Facilitate alignment across multiple teams and platforms.Commercial Lending Domain OwnershipDevelop a strong understanding of the end-to-end commercial lending lifecycle, including:OriginationCredit assessment and underwritingPricing and structuringDocumentation and fulfilmentServicing and covenant monitoringPortfolio management and reportingEnsure product solutions meet customer, regulatory, risk, and operational requirements.Agile DeliveryLead backlog refinement, sprint planning, prioritisation, and product reviews.Work closely with
engineers, architects, quality engineers, and Customer Journey Managers.Support testing, business readiness, training, and change management activities.Ensure successful deployment and adoption of new features and capabilities.Risk, Controls & GovernanceAccountable for product governance, change management, and business readiness.Ensure compliance with lending regulations, risk frameworks, and internal controls.Investigate product incidents and define appropriate remediation plans.Manage dependencies and delivery risks across multiple initiatives. Required Skills & ExperienceEssentialStrong Product Owner or Product Management experience in Banking or Financial Services.Knowledge of Commercial Lending products and lending processes.Experience working in Agile/Scrum environments.Product backlog management and prioritisation expertise.Excellent stakeholder management and communication skills.Strong analytical and problem-solving capabilities.Ability to translate business requirements into
deliverable user stories.DesirableExperience with Lending Origination, Lending Servicing, CRM, or Workflow platforms.Knowledge of Credit Risk, Regulatory Compliance, and Operational Risk.SAFe Product Owner/Product Manager certification.Experience working in large-scale transformation programmes.Understanding of digital customer journeys and customer-centric designA great Product Owner typically brings a blend of customer focus, strategic thinking and product mindset. Some of the things I look for are:Customer-obsessed mindset - constantly seeking to understand customer needs, pain points and behaviours rather than relying on assumptions and requirements. Has strong evidence of being able to lead great discovery and design sprints.Outcome-focused thinking - prioritising measurable customer and business outcomes over feature delivery for its own sake.Strong stakeholder management - able to align diverse stakeholders around a clear vision and make informed trade-off
decisions.Data-informed decision making - comfortable using insight, evidence and experimentation to shape priorities and validate ideas.Ownership and adaptability - takes accountability for outcomes, embraces ambiguity and continuously learns and iterates.Banking industry experience and understanding the Lending product will be a value addedDiversity, Inclusion and Wellbeing Tata Consultancy Services UK&I is committed to meeting the accessibility needs of all individuals in accordance with the UK Equality Act 2010 and the UK Human Rights Act 1998.We welcome and embrace diversity in race, nationality, ethnicity, disability, neurodiversity, gender identity, age, physical ability, gender reassignment, sexual orientation. We are a disability inclusive employer and encourage disabled people to apply for this role.As a Disability Confident Employer, we offer an interview to applicants with disabilities or long-term conditions who meet the minimum criteria for the role.
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