Digital & Innovation SME

Strong technical fluency to engage credibly with IT on architecture decisions, API design, system integration complexity, cybersecurity requirements, and vendor capability assessment, without requiring engineering execution skills.

Experience conducting RFP processes, evaluating and onboarding digital vendors, and managing vendor delivery including SLA monitoring and technical due diligence.

Familiarity with SAMA digital banking regulations, Vision 2030 digital financial infrastructure objectives, and compliance requirements relevant to open banking, digital payments, and fintech partnerships in the KSA market.

Strong cross-functional collaboration skills with the ability to align Digital, IT, Compliance, Finance, Marketing, and Operations teams around shared digital delivery goals and initiative timelines.

Proven experience in mobile banking product management including backlog definition, sprint planning, feature prioritization across quick wins and strategic phases, and weekly release management in agile delivery environments.

Experience working with mobile digital lab environments and vendor-led delivery models including stable API-ready core systems, cloud infrastructure readiness, and UX/UI optimization for adoption and stickiness improvement.

Ability to track and interpret mobile performance metrics including monthly active users, app stickiness, digital product sales penetration, NPS, adoption rates, and drop-off patterns to drive iterative improvement.

Experience structuring and managing third-party fintech partnerships including commercial model design, SLA definition, onboarding workflows, and partner support operations across EMI-licensed and non-licensed entities.

Strong understanding of open banking API architecture including API packaging, pricing tiers, developer documentation, technical integration governance, and cybersecurity controls in API-enabled environments.

Familiarity with SAMA regulations governing open banking, digital payment licensing, sandbox frameworks, and non-objection submission processes for new digital financial products.

10 to 12 years of banking experience, with at least 5 years in a dedicated digital banking product or transformation role spanning retail and business customer segments.