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.