Nihad User

• Lead a 30-person cross-functional product organisation: 7 Product Owners, 2 Designers, 8 Business Analysts, 5 QA Engineers — end-to-end ownership from discovery to go-live and post-release optimisation
• Own 7 product verticals: Retail Mobile Banking, Corporate Banking App & Web Portal, Investment Platform, Junior/Family Banking, Core Banking Systems (ABS Retail & Corporate), Internal Document W

• Owned mobile banking product streams — onboarding, servicing, and payments — end-to-end from discovery to go-live and post-launch optimisation
• Launched Investments proposition — first rollout across the ABB group; defined product priorities based on customer needs and business value
• Translated business and regulatory requirements into PRDs, user stories, and prioritised backlogs; owned KPIs

• Owned proposition and delivery for card-related customer journeys: replenishment, top-up, loyalty mechanics, and cashback programmes
• Introduced product KPIs: adoption rate, transaction success rate, and customer issue resolution; used data to drive prioritisation decisions
• Coordinated stakeholders across business, IT, operations, and external partners for aligned delivery and go-live readine

• Led mobile and internet banking product streams; built cross-functional delivery rhythm across engineering, operations, and compliance teams
• Implemented Apple Pay in retail banking — coordinated Visa/Mastercard scheme requirements and core banking integration; scaled to 1M+ contactless activations
• Ensured go-live readiness and operational stability for all digital channel releases in a regul

• Supported enterprise-wide Agile transformation to improve delivery predictability and cross-functional execution across technology and product teams
• Worked with senior leadership to align product delivery with business priorities and improve team operating model
• Contributed to improved delivery efficiency and collaboration across multiple product squads

• Led digital banking strategy and implementation
• Managed mobile and internet banking platforms
• Oversaw Temenos T24 core banking integrations
• Led cross-functional delivery teams
• Improved digital channel adoption and usage
• Worked in a regulated banking environment

• Led software development activities for core banking and digital banking systems (Temenos T24)
• Coordinated development teams and technical delivery across critical banking platforms
• Ensured system stability, performance, and regulatory alignment of digital solutions

• Developed and supported banking software solutions within core banking environments
• Participated in system upgrades, integrations, and platform enhancements

• Developed and supported banking software solutions
• Worked on core banking system enhancements
• Participated in system upgrades and integrations
• Collaborated with business and IT teams

Apr 2026 · Expires Apr 2029