Product Owner - Lending & Mortgage at CodeNinja

Riyadh, Riyadh Region, Saudi Arabia -

Full Time

Start Date

Immediate

Expiry Date

15 Jul, 26

Salary

0.0

Posted On

16 Apr, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Product Ownership, Lending, Mortgage, Agile, Scrum, SAFe, Systems Integration, Data Migration, Stakeholder Management, Banking Regulations, Loan Origination, Credit Assessment, API Integration, Product Roadmap, Backlog Management, UAT

Industry

Software Development

Description

CodeNinja is a full-stack AI delivery firm headquartered at Al Faisaliah Center, Riyadh, Kingdom of Saudi Arabia. Founded in 2014 as a bootstrapped software and solutions company, CodeNinja has grown into a trusted technology partner for enterprises, governments, and software acquirers across the GCC and beyond — helping organizations modernize legacy systems and operationalize intelligence across mission-critical workflows. Through its AI Pods, AI Labs, and Global Capability Centers spanning Riyadh, San Francisco, Santiago, and Lahore, CodeNinja co-engineers autonomous workflows, AI-native infrastructure, and bespoke models that embed intelligence at the core of enterprise operations. The company's forward-deployed engineering model places specialist teams directly alongside client teams to co-design, deploy, and optimize production-ready solutions at pace. Trusted by 240+ organizations and recognized as a category leader on Clutch and G2, CodeNinja is driven by a philosophy of 'Impact Engineering' — the belief that solving the world's most critical business challenges and creating opportunity for underrepresented knowledge communities can converge into a single, holistic outcome. Core service lines include: • Work AI Solutions — deploying AI systems directly into credit, fraud, treasury, and operational workflows. • AI for Infrastructure — integrating AI into IT and operational systems for predictive maintenance and resilience. • AI Tooling & Platforms — including the proprietary HYPER platform for model development and workflow automation. • AI Labs & GCC — establishing capability centers to scale internal AI and engineering talent for enterprise clients. About the Role We are seeking an experienced Product Owner with deep expertise in Lending and Mortgage within the banking sector. The successful candidate will drive the end-to-end product lifecycle for digital banking initiatives, working at the intersection of business strategy, Agile delivery, and large-scale technology transformation — including systems integrations, platform implementations, and data migrations. This is an onsite role based in the Kingdom of Saudi Arabia, requiring the candidate to collaborate closely with business stakeholders, cross-functional Agile teams, and technology partners to deliver high-quality, compliant banking products. Key Responsibilities Product Strategy & Backlog Management • Own and manage the product backlog for lending and mortgage solutions, ensuring alignment with business objectives and regulatory requirements. • Define, refine, and prioritize user stories, epics, and acceptance criteria in close collaboration with business stakeholders and SMEs. • Translate complex banking workflows (loan origination, underwriting, disbursement, servicing) into clear, actionable product requirements. • Maintain a clear product roadmap and communicate progress and trade-offs to senior stakeholders. Agile Delivery • Lead Agile ceremonies (sprint planning, backlog grooming, retrospectives, demos) as the primary Product Owner. • Work closely with Scrum Masters and development teams to remove impediments and ensure iterative, on-time delivery. • Apply SAFe, Scrum, or Kanban frameworks as appropriate to program and team-level delivery contexts. • Track velocity, burn-down, and sprint metrics to maintain delivery transparency with leadership. Integrations & Implementations • Define integration requirements between core banking systems, CRM platforms, third-party APIs, and digital channels. • Partner with technical architects and integration teams to validate data flows, API contracts, and middleware configurations. • Drive UAT planning and execution for new system implementations, ensuring sign-off criteria are met before go-live. • Oversee and coordinate end-to-end implementation of lending and mortgage modules within core banking platforms. Migration Projects • Lead product workstreams for data and system migration projects, including legacy-to-modern platform transitions. • Collaborate with data architects and QA teams to define migration rules, data mapping specifications, and reconciliation processes. • Ensure business continuity and minimal customer impact during cutover and post-migration stabilization phases. Stakeholder Management & Governance • Act as the primary liaison between business units (retail banking, risk, compliance, operations) and technology delivery teams. • Facilitate workshops, requirement-gathering sessions, and sign-off meetings with senior stakeholders and C-level sponsors. • Ensure product decisions comply with local banking regulations (SAMA guidelines and KSA financial services standards). • Produce and maintain product documentation including BRDs, functional specs, and release notes. Qualifications & Experience Essential • 8–10 years of experience in product ownership, business analysis, or product management within the banking or financial services sector. • Demonstrable, hands-on experience in Lending and/or Mortgage products — including loan origination, credit assessment, mortgage servicing, and collections workflows. • Proven track record delivering Agile projects (Scrum/SAFe) as a certified or practising Product Owner. • Strong experience in systems integration projects — defining requirements for API-based integrations with core banking, LOS, or CRM platforms. • End-to-end experience in platform implementation projects, including requirements definition, UAT coordination, and go-live support. • Hands-on involvement in at least one large-scale data or system migration project in a banking context. • Excellent stakeholder management, facilitation, and communication skills with the ability to influence at senior levels. Desirable • Prior experience working in or delivering projects for banks or financial institutions in Saudi Arabia or the GCC region. • Familiarity with SAMA regulations, Basel frameworks, or KSA-specific mortgage/lending compliance requirements. • Knowledge of core banking platforms such as Temenos T24, Oracle FLEXCUBE, Finastra, or Mambu. • CSPO, SAFe PO/PM, or equivalent Agile certification. • Experience with digital mortgage or open banking initiatives. Why Join Us Work with leading banking clients on high-impact digital transformation initiatives. Exposure to enterprise-level systems, modern digital platforms, and multi-disciplinary project environments. A culture focused on innovation, ownership, and continuous learning. Collaborate with global teams across technology, digital, and architecture domains. Clear pathways for growth in business analysis, solutioning, and digital leadership roles. Disclaimer CodeNinja is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, and performance. Female and minorities are strongly encouraged and preferred to apply for the role.

Responsibilities

The Product Owner will manage the end-to-end product lifecycle for lending and mortgage solutions, ensuring alignment with business strategy and regulatory requirements. They will lead Agile ceremonies and collaborate with cross-functional teams to deliver high-quality digital banking products and system integrations.