Product Owner – Compliance & Operations

About Wafir

Role Overview

Key Responsibilities

• **Product Ownership**
• Own and manage the product roadmap in coordination with the founders and leadership team.
• Translate business, compliance, and operational requirements into clear product features and user stories.
• Prioritize product features based on business value, regulatory importance, user needs, and technical feasibility.
• Work closely with the development team to ensure features are clearly defined, tested, and delivered properly.
• Review app workflows and user journeys to improve usability, clarity, and compliance.
• Monitor product performance and suggest improvements based on user feedback, operational gaps, and business priorities.
• **Compliance & Regulatory Alignment**
• Ensure that product features and workflows are aligned with internal policies and regulatory requirements.
• Support the implementation of KYC, AML, user verification, risk classification, disclosures, consent forms, and digital agreement flows.
• Update and track the existing policies and create relevant SOPs
• Work with compliance consultants and legal advisors to translate regulatory requirements into practical product and operational processes.
• Help document compliance-related workflows, controls, and audit trails within the platform.
• Own preparing regulatory responses, product documentation, and process explanations when required.
• Ensure that customer-facing journeys clearly communicate fees, obligations, risks, and terms of participation.
• **Operations & Process Management**
• Map and improve internal workflows related to onboarding, circle management, payments, collections, delinquency management, and customer support.
• Identify gaps between the current product, manual operations, and desired automated workflows.
• Work with the operations team to reduce manual effort and improve process efficiency.
• Create SOPs, process maps, checklists, and internal documentation where needed.
• Support testing and rollout of new features before they go live.
• **Stakeholder Coordination**
• Act as a bridge between business, compliance, operations, and technology teams.
• Gather requirements from different departments and convert them into structured development tasks.
• Coordinate with external vendors, compliance consultants, and technology partners when required.
• Lead product meetings, sprint planning, and progress tracking.
• Communicate product updates, risks, delays, and decisions clearly to leadership.
• **Required Qualifications**
• Bachelor’s degree in Business, Finance, Information Systems, Law, or a related field.
• 3–6 years of experience in product ownership, product management, fintech operations, compliance, or financial services.
• Experience in a non-banking financial institution, fintech company, payment company, lending platform, microfinance provider, exchange house, insurance, or similar regulated environment.
• Good understanding of compliance-related processes such as KYC, AML, customer due diligence, risk assessment, disclosures, and documentation.
• Ability to write clear product requirements, user stories, process flows, and internal documentation.
• Strong coordination skills between technical and non-technical teams.
• Practical understanding of digital platforms, mobile apps, dashboards, and backend operational systems.
• **Preferred Experience**
• Experience working with regulatory sandbox programs or financial regulators.
• Familiarity with Qatar’s fintech or financial services ecosystem.
• Experience with ROSCA, savings products, lending, payments, or alternative finance is a plus.
• Knowledge of tools such as Jira, ClickUp, Trello, Notion, Figma, or similar platforms.
• Experience working with external development teams or outsourced technology partners.
• Arabic and English proficiency is preferred.
• **Key Skills**
• Product ownership
• Compliance awareness
• Process mapping
• Requirement gathering
• User journey design
• Risk and control thinking
• Strong documentation
• Stakeholder management
• Problem-solving
• Attention to detail
• Clear communication
• Ability to balance business, user, compliance, and technology needs