
Abu Dhabi Commercial Bank (ADCB)
Global Digital Product Owner - Customer Engagement and Monetization
- Permanent
- Abu Dhabi, United Arab Emirates
- Experience 5 - 10 yrs
Job expiry date: 02/06/2026
Job overview
Date posted
18/04/2026
Location
Abu Dhabi, United Arab Emirates
Salary
AED 30,000 - 40,000 per month
Compensation
Job description
The Global Digital Product Owner - Customer Engagement and Monetization at Abu Dhabi Commercial Bank (ADCB) Retail Banking Group is responsible for driving digital innovation to enhance customer engagement, monetization, and retention across retail and micro-business banking segments in conventional and Shari’ah-compliant banking environments. The role focuses on managing customer engagement programs across lifecycle stages using segmentation insights, journey analytics, and behavioral indicators to improve activation, usage, retention, and long-term customer value. The position involves coordinating cross-functional inputs across digital channels, analyzing programme performance, and refining engagement frameworks to ensure scalable and insight-driven customer interactions. The role delivers monetization initiatives including cross-sell, up-sell, and retention campaigns by leveraging customer insights, product knowledge, and commercial parameters to generate revenue uplift and improve portfolio profitability. It requires collaboration with product and analytics teams to design propositions, explore monetization opportunities, and align initiatives with Retail Banking strategy. The Product Owner utilizes data analytics, customer behavior trends, conversion metrics, churn analysis, and usage data to identify opportunity segments, refine targeting, and continuously improve engagement strategies. The role ensures governance, risk, and compliance adherence by maintaining regulatory alignment, implementing controls, performing quality checks, ensuring audit readiness, and safeguarding customer fairness. It also involves stakeholder and vendor coordination for campaign execution, platform management, data integration, and operational delivery while ensuring timely execution and performance monitoring. The role includes operational reporting through dashboards and structured insights to support decision-making and performance tracking. Additional responsibilities include people management, budget contribution, policy improvement, and ensuring high-quality customer service aligned with ADCB standards. The position requires strong expertise in digital marketing, omnichannel campaign management, customer analytics, financial services, regulatory compliance, service design, and product lifecycle management within banking environments.
Required skills
Key responsibilities
- Manage customer engagement programs across lifecycle stages using segmentation insights, journey analytics, and behavioral indicators to improve activation, usage, retention, and long-term customer value
- Coordinate cross-functional teams to design and execute customer engagement frameworks across digital and physical channels while optimizing customer experience and relationship depth
- Deliver monetization initiatives including cross-sell, up-sell, and retention campaigns using customer insights, product knowledge, and commercial parameters to generate measurable revenue uplift
- Analyze performance metrics including conversion, activation, churn, and usage to optimize targeting logic, improve campaign effectiveness, and enhance portfolio profitability
- Develop and refine engagement and monetization frameworks ensuring scalable, consistent, and insight-driven customer interactions across all banking touchpoints
- Ensure governance, risk, and regulatory compliance across all engagement and monetization programmes including controls implementation, documentation, and audit readiness
- Coordinate with internal stakeholders and external vendors to support campaign execution, platform enhancements, data integration, and operational delivery
- Prepare dashboards, reports, and insights on programme performance to support decision-making, improve transparency, and enhance operational execution
Experience & skills
- Obtain Bachelor’s Degree in Computer Science, Business Management, or equivalent with at least 8 years of experience in Retail Banking or Financial Services, including 6 years in management roles
- Demonstrate strong experience in customer engagement, digital marketing, revenue optimization, and omnichannel campaign management within banking or financial services
- Possess expertise in data analytics, customer analytics, segmentation, behavioral analysis, and lifecycle management for financial products
- Demonstrate experience in monetization strategies including cross-sell, up-sell, retention campaigns, and portfolio profitability optimization
- Exhibit knowledge of regulatory compliance, risk frameworks, and governance requirements in banking products and financial services
- Show experience in service design, UX principles, change management, and organizational development within digital banking environments
- Demonstrate strong stakeholder and vendor management skills including coordination of campaign execution, platform delivery, and data workflows
- Possess strong financial acumen, business planning capability, and leadership experience in managing teams, budgets, and performance outcomes