• Define and own the vision, roadmap, and success metrics for assigned AI products and capabilities, ensuring alignment to enterprise strategy and business unit priorities within a hub and spoke model. • Translate business needs into actionable AI requirements by owning the end to end backlog (epics, features, user stories) across data, models, integrations, and user workflows. • Prioritize and manage the product backlog to maximize business value, balance impact, technical feasibility, risk, reuse, and compliance while enabling iterative delivery. • Define and track measurable business and model outcomes (e.g., value realization, adoption, accuracy, latency, cost to serve) to ensure solutions deliver intended results. • Embed Responsible AI and compliance by design by incorporating security, privacy, regulatory, and ethical AI requirements into acceptance criteria and release gating. • Serve as the primary business-facing owner by leading stakeholder alignment, managing expectations, accepting delivered increments, and driving adoption and continuous improvement of post release.

• Independently leads and drives the end to end strategy and operational product roadmap for one or more complex products or a product portfolio • Builds and delivers the value proposition, target customer segments, and business case for innovative products • Synthesizes market requirements into marketing/customer details through having intimate customer knowledge and business, financial and industry market acumen • Guides key stakeholders on the portfolio strategy across all phases of the lifecycle

• Designs, plans, develops and manages a product or portfolio of products throughout the solution portfolio lifecycle • Leads and drives the end-to-end strategy and operational product roadmap for one or more products • Defines the value proposition, target customer segments, and business case to bring one or more innovative and disruptive products to market • Advises key stakeholders on the portfolio strategy across all phases of the lifecycle • Creates and drives goal alignment and collaborates across one or more products' value chain partners to optimize margins

Title: Business Banking Product Owner Location: US - California - Virtual time type Full time job requisition id R0001607 Job Description: Candescent is a forward-thinking technology company transforming how financial institutions deliver Intelligent Banking experiences. We unite digital banking, account opening, and branch solutions that power and connect digital banking, account opening, and branch solutions—creating seamless engagement across digital, remote, and in-person channels. Our Experience-Led, Intelligence-Driven approach combines human-centered design with data, automation, and cloud-based innovation. Built on an API-first architecture, our extensible ecosystem enables institutions to adapt quickly, integrate easily, and unlock new opportunities for growth—turning every customer interaction into a moment of clarity, confidence, and connection. The Product Owner for Business Banking plays a key role in driving delivery of Candescent’s Banking Platform capabilities. This role translates product vision and user insights into clear, prioritized features and user stories for an agile development team of 8–10 members. The Product Owner partners collaboratively with customers, internal Product Managers, and cross‑functional stakeholders to identify and prioritize enhancements to the digital banking experience. Responsibilities include roadmap refinement, backlog grooming, release planning, and participation in user groups, including the Product Advisory Council. Key Responsibilities & Deliverables Product Definition & Delivery - Define functional requirements, integration needs, user experience expectations, and deployment approaches for new and enhanced platform capabilities. - Develop well‑formed user stories, problem statements, and acceptance criteria to support efficient team execution. - Partner with development teams to ensure delivered features meet agreed-upon requirements, quality standards, and timelines. - Support sprint sequencing, incremental delivery planning, and ongoing refinement of work in progress. - Participate fully in Agile ceremonies, including sprint planning, reviews, retrospectives, stand-ups, and demos. - Maintain product quality through well-defined acceptance criteria and structured validation processes. Client & Stakeholder Engagement - Collaborate closely with Candescent clients and internal teams to gather requirements and validate designs. - Represent the product in internal and external forums, including presenting new functionality and gathering feedback via user groups. - Prepare documentation that explains new and existing functionality for customers and internal stakeholders. Product Strategy & Insights - Contribute to short- and long-term product roadmaps in partnership with Product Managers, ensuring alignment to strategic objectives. - Gather and analyze customer needs, market trends, and user research to inform product direction. - Develop deep user understanding through personas, journey maps, and other insight‑gathering methods. Product Design & Development - Participate in PI (Program Increment) planning to inform team backlogs and cross‑functional alignment. - Write and prioritize user stories based on business value, user impact, and technical feasibility. - Evaluate backlog items continuously, balancing effort versus customer value. - Manage dependencies, facilitate cross‑team engagement, and proactively resolve blockers. Product Performance (P&L) - Collaborate with Product Managers on product performance, pricing considerations, and profitability analysis. Qualifications & Experience - Bachelor’s degree in Computer Science or related field, or equivalent field - 5+ years of experience in the financial industry, ideally within digital, online, or mobile banking for consumer or small business markets. - Proven experience shipping software products across the full lifecycle (definition → design → release). - Strong understanding of complex technical and business problems in banking or financial technology. - Hands-on experience with Agile/Scrum methodologies. - Familiarity with industry standards such as PCI, WCAG, and FFIEC. - Strong communication, problem‑solving, leadership, and time‑management skills. - Ability to articulate and prioritize user needs to drive product value delivery. - Strong analytical skills with the ability to balance customer value, user impact, and technical feasibility Statement to Third Party Agencies To ALL recruitment agencies: Candescent only accepts resumes from agencies on the preferred supplier list.