Head of Digital Product

4 weeks ago


London, United Kingdom Handelsbanken Full time

**Job Introduction**:
The Head of Digital Product (Credit) role resides within the Handelsbanken Digital department and is responsible for overseeing the strategy and development of the Bank’s digital products relating to the credit process across both the private and corporate banking segments.

Playing an important role within the Bank’s Business Transformation programme, the role holder will lead dynamic multi-disciplinary teams responsible for researching, designing, building and/or procuring, and releasing transformative user journeys - for both customers and employees. They are responsible for engaging collaboratively with the Business functions (including Credit, Financial Product, the Branch, etc.) in order to ensure all interests are represented in the development of the Bank’s future state credit capability and to support the adoption and embedding of new processes.

The role holder will be responsible for defining the overarching credit digital product vision, building the roadmaps and leading the prioritisation to deliver that vision in a performant, secure and user focussed way. In doing so, they will ensure alignment to wider Bank strategy and ensure that maximum business value is achieved. Together with a Technology counterpart, they will be accountable for delivering and then driving the continual optimisation of the credit digital products to support the realisation of a seamless, flexible customer and colleague experience.

The Head of Digital Product (Credit) will also have ongoing responsibility for the governance, risk management and regulatory compliance activities relating to the digital products under their ownership, forging strong, effective relationships with the 1st and 2nd line control functions.

**Main Responsibility**:

- Develop a vision for the credit related digital products and, together with the Technology lead, be accountable for the delivery of that roadmap, ensuring alignment to the Digital Product and wider Bank strategy, with a clear user focussed service design approach.
- Collaborate with key staleholders from across the Business including Credit, the Branch, Financial Product and the control functions to understand business requirements and priorities, supporting effective inclusion in your product roadmap.
- Build and lead a high performing team of Digital Product Owners who oversee proactive, customer focussed multi-disciplinary teams.
- Develop an inclusive and collaborative culture where the advice and knowledge of skilled specialists around user insights, journey and UX design, technology delivery, security and infrastructure are heard and respected in order to develop highly effective digital products through a process of research, ideation and design.
- Foster and develop a customer-centric ethos and promote a mindset of continuous learning, including establishing clear structures to learn from live running, sourcing data and analysis on performance in order to prioritise improvements and change accordingly.
- Forge a strong working relationship with Technology and partner with them on the development and delivery of the credit digital products.
- Define and measure the success criteria for the credit digital products, creating a clear set of OKRs that support the Business Transformation goals and the Bank’s wider strategic objectives. Establish clear feedback loops to understand the impact of your product and feed changes and improvements in to your backlog.
- Manage and prioritise the overall credit digital product backlog and ensure that delivery teams are aligned to deliver maximum business value through effective scoping and sizing of planned features.
- Design and develop overall processes and process steps within the credit journey, taking accountability for the effects on existing internal and Branch processes and services.
- Be jointly responsible with the Technology lead for ensuring the smooth delivery of credit digital products to end users, with clear responsibility for effective communications and training.
- Exercise end user insights to continuously enhance seamlessly consumable customer-centric credit services, increasing customer satisfaction, loyalty and advocacy.
- Actively promote and ensure adherence to the Bank's Risk Management framework (including sub-frameworks) and relevant risk and compliance policies and procedures, ensuring timely and appropriate escalation of concerns to relevant stakeholders.
- Work closely with stakeholders in Group (Sweden), where required, to accelerate digital development and ensure optimal ways of working.
- Work collaboratively with other Heads of Digital Product to ensure overall alignment is achieved between products to deliver user and technical consistency and to establish an effective community of practise around digital product ownership.
- Serve as a digital product SME, influencing, inspiring and educating others at all levels across the Bank, sharing knowledge and being a vocal and eng



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