Reema Alsubaie
Riyadh,Saudi Arabica
Summary
Strategic and results-oriented Product Owner & Digital Banking Professional with extensive experience driving end-to-end product development, transformation, and innovation in the fintech and banking sectors. Skilled in leading large-scale migrations, enhancing customer journeys, and delivering user-centric digital experiences that align with business goals and regulatory frameworks. Recognized for leading cross-functional teams, optimizing operational efficiency, and launching high-impact products that increase engagement, retention, and revenue. Adept at translating complex business needs into scalable, compliant, and market-ready solutions.
Overview
6
6
years of professional experience
3
3
years of post-secondary education
1
1
Certification
Work history
Senior Product Owner / Product Development Officer
STC Bank
Riyadh
08.2024 - Current
- Played a leading role in the migration phase from wallet to full digital banking, overseeing customer transition, data reconciliation, and system readiness to ensure a seamless shift with minimal service disruption.
- Collaborated with Technology, Risk, Compliance, and Operations teams to design and execute migration strategies, addressing integration gaps, enhancing data integrity, and improving backend process flow.
- Designed and implemented communication and UX improvements that guided customers smoothly throughout the migration journey, reducing confusion and support calls during transition.
- Conducted deep customer behavior analysis to identify friction points, leading to targeted UX optimizations across onboarding, transfers, and account management journeys.
- Introduced journey simplifications and enhanced digital flows, improving customer satisfaction and overall platform usability.
- Partnered with UI/UX designers and development teams to deliver experience-driven improvements that balanced functionality, regulatory compliance, and visual clarity.
- Led post-migration optimization initiatives, including feature refinements, customer feedback loops, and continuous performance monitoring to sustain adoption and retention rates.
- Defined key metrics and customer experience KPIs, tracking engagement, NPS, and conversion to drive measurable improvements in product performance.
- Championed a customer-first mindset across teams, transforming insights into actionable product strategies that aligned with business growth and regulatory expectations.
Senior Officer Product Owner
STC Pay
Riyadh
11.2022 - 08.2024
- Played a pivotal role in launching and scaling multiple digital financial products from concept to market, driving the evolution of STC Pay’s ecosystem across payments, transfers, and account services.
- Served as the product lead responsible at the CEO level (Liabilities stream), overseeing the full product portfolio related to customer deposits, payments, and value-added services.
- Defined the strategic vision, product roadmap, and KPIs for key offerings, ensuring alignment with executive priorities and market expansion goals.
- Led the end-to-end product lifecycle — ideation, requirement definition, stakeholder alignment, development, testing, and launch — in close collaboration with Technology, Risk, and Compliance teams.
- Supported the creation and delivery of innovative features that enhanced user adoption and retention, setting the foundation for the later transformation into a full digital bank.
- Conducted competitive benchmarking and user research to identify opportunities for product differentiation and experience improvement.
- Acted as the main liaison between C-level executives and product squads, translating strategic objectives into actionable product plans and ensuring timely, compliant execution.
- Collaborated on the design of customer journeys and UX flows to optimize simplicity, transparency, and satisfaction across all channels.
- Mentored junior product and operation members, cultivating a product-led culture focused on customer value and agility.
- Delivered measurable business results through data-driven decision making, operational efficiency, and continuous product optimization.
Business Operation Officer
STC Pay
Riyadh
02.2021 - 11.2022
- Building a special workflow for management in the CRM Resolved complex customer inquiries with 98% positive outcomes.
- Generated [KPIs] reports from SAMA care database.
- Promoted efficient workflow, verifying policies were distributed, understood, and adhered to.
- Tracking and analyzing reports and determining trends and variances
- Analyzing customer feedback, developing an improvement plan, acting as a liaison between all departments in order to achieve a cohesive result, and adjusting customer service protocols.
- Responsible for dealing with customer‑relevant queries, services
- Prepared daily, weekly, and monthly statistical reports.
Social media specialist
STC Pay
Riyadh
10.2019 - 02.2022
- Responsible for dealing with customer‑relevant queries, complaints, and requests for information on products and services.
- Confirmed customer understanding of the solution and provided extra customer education as required.
- Continually develop and implement procedures and practices that ensure customer satisfaction.
- Resolve customer complaints in professional and prompt manner.
- Protected brand image, moderating conversations, questions, and comments to prevent undesirable content.
Education
Bachelor's degree -
King Saud university, Riyadh
Riyadh 03.2016 - 05.2019
Skills
- Product visioning
- Strategic roadmapping
- Communication proficiency
- Jira and confluence proficiency
- User story creation
- Innovation and ideation
- Product launch expertise
- InDesign, sketch, figma use
- Problem-solving
- Communication skills
- Public speaking
- Team building
Certification
- Digital Project Management
- Operational Analytics
- UX/UI Oct 2024
Timeline
Senior Product Owner / Product Development Officer
STC Bank
08.2024 - Current
Senior Officer Product Owner
STC Pay
11.2022 - 08.2024
Business Operation Officer
STC Pay
02.2021 - 11.2022
Social media specialist
STC Pay
10.2019 - 02.2022
Bachelor's degree -
King Saud university, Riyadh
03.2016 - 05.2019