Product Owner

Product Owner Competence Centre Provisioning

Just imagine taking a leading role in the development and continuous improvement of the Credit Risk Cycle, one of the key journeys of the bank.

You and your job

As Product Owner Competence Centre Provisioning (CCP) you will be part of a squad that delivers on keeping the bank compliant to external regulations with respect to IFRS9 provisioning and data concerning clients in default while simultaneously identifying new business needs in these domains.

You are responsible for delivering an end-to-end business capability to support and continuously improve the Credit Journey of all our national and international business units. You interact closely with your internal and external stakeholders and develop and maintain a vision for your product/service in the field of provisioning, write-offs and default data. To achieve this, the Global Standard IFRS9 is one of the key products your squad is taking care of. You ensure that changes related to policies, processes, data, systems, functional support, training and monitoring & reporting are prioritized to be executed by your multi-functional squad.

The CCP Squad is part of the Area Credit Risk Assessment and Mitigation (CRAM) within Tribe Credit Core. Working together with the squad members you will align with stakeholders across the whole Rabobank Group, prioritize the activities of the squad and find and document the data and business requirements within the Credit Journey.

Tribe Credit Core

CreditCore is responsible for all centrally managed credit risk business capabilities, meeting business unit's expectations, so that they can optimally perform their end-to-end credit process for the client. We continuously improve the end-to-end credit journey and ensure regulatory compliancy by design. Credit Core Tribe is an integral part of the Enterprise Risk department within the CRO-domain. As Product Owner, you will be part of the Area Credit Risk Assessment and Mitigation.

Our Tribe consists of four Areas representing 25 squads bringing talented people together with many competencies, experiences and nationalities. The business capabilities we offer are used by all Rabobank business units in the Netherlands and Internationally. We are proud that we work closely with so many colleagues and contribute to One Rabobank. With you as a Product Owner, our Product Owner Guild consists of 15 colleagues.

Together we achieve more than alone

We believe in the power of difference. Bringing together people's differences is what makes us an even better bank. So we are very curious about what you can bring to our team at CRAM and CreditCore Tribe.

Around 60 people in Area CRAM work on Financial Assessment, Climate and Risk Assessment, Credit Risk Mitigation, Loss Data components and Special Asset Management Support and Provisioning. In our area, we consult and support each other, as well as challenge ourselves and our stakeholders. Diverging opinions are encouraged, multiple scenarios can be considered. With you as Product Owner Competence Centre Provisioning, we make this possible together.

Working together is the way we work; as 1 complex problem-solving team full of drive at Rabobank. On Rabobank: We are a Dutch bank that operates in 38 countries for over 9,5000,000 customers. Together with these customers, our members and partners we stand side by side to create a world in which everyone has access to enough healthy food. In the Netherlands we work to create a country in which people are happy with how they live, work and do business.

Facts & Figures

• 36 hours per week
• Ca. 300 colleagues within CreditCore Tribe
• Ca. 60 colleagues within area CRAM (8 squads)
• 43,822 Rabobank colleagues around the world

Responsibilities

• Develop and maintain a vision and storyline for the CCP Squad and do make sure that the voice of the customer and voice of the regulator are heard.
• You interact closely with your internal and external stakeholders to identify credit related regulatory and business requirements.
• You ensure that changes related to policies, processes, data, systems, functional support, training and monitoring & reporting are prioritized .
• You challenge your squad to think beyond today.
• Be responsible for delivering an end-to-end business capability (together with the squads) to support and continuously improve the Credit Journey of all our national and international business units.
• Drive success, focusing on getting the best quality and business value delivered in the shortest time possible
• Maintain and prioritize the Squad backlog using input from stakeholders residing in the tribe (Area Lead, Tribe Lead, Architects) and outside the tribe (Communities).
• Accept user stories, ensuring quality and working with the team from definition of the user story to accepting stories that meet acceptance criteria and the Definition of Done.
• Focuses on fact driven decision making and what data is needed to be able to do so.
• Respecting the frame in which to operate to make sure no wheel is re-invented but dictates usage of technical and design building blocks.
• Participate in planning sessions on Area, Tribe (QBRs) and Squad Level (sprint planning), demos and retrospectives
• Good business sense and as such able to manage different interests and get people involved.

Your role as Product Owner CCP Squad :

• You will be acting as Product Owner, giving you the possibility and responsibility to shape the priorities and backlog of the squad from day one together with the Scrum Master and the Area Leadership. The squad consist of appr. 5 FTE (3 Business Analysts/Experts, 1 SCRUM master and 1 Product Owner).
• The Squad is responsible for delivering the work managed via a dedicated backlog. As Product Owner you set priorities and use the S@S rituals to align with stakeholders and monitoring progress in sprints. Together with the Area Leadership Team of your Area, you will set the planning (Epics and Features) for Quarterly and Midterm delivery.

You and your talent

• Academic background/level (IT, business administration or similar);
• Knowledge of banking processes, administrative organization and IT solutions;
• Demonstrable experience with guiding (IT)development teams;
• Experience with FD/D client processes;
• Experience with the IFRS9 process/provisioning
• Knowledge of (inter)national risk and regulatory development;
• Knowledge & Expertise in in (Corporate) Lending and Credit Risk;
• Experience in Agile way of working and preferably PSPO I & II certified;
• Being able to switch between all stakeholders and facets, from customer, management and team to product, market, organization and own vision;
• Experience with coaching a team or squad.
• Relevant product and market knowledge.
• Keep track of the latest customer – and market developments, digitalization, robotics and high tech developments.

Together we achieve more than alone

We believe in the power of difference. Bringing together people's differences is what makes us an even better bank. So we are very curious about what you can bring to our team at Credit Core.

‘With motivated and skillful squads, I enjoy maximizing business value for a new product with a global reach. We focus on bringing product, client, and credit hierarchy information together to help clients better manage their risks and realize their goals. I am fortunate to work in a dynamic, demanding, yet very supportive environment with ample opportunity to work and grow in line with my ambitions. By making a difference every day, we are changing the bank.’

Quote from a Senior Product Owner within CreditCore.

This is what we offer you

• Up to € 6.741,24 gross per month depending on your level of experience, scale 10.
• Excellent primary and secondary remuneration conditions.
• This is a selection of the terms of employment for a Product Owner based on a 36-hour working week.