SHAHAD AL KARZAE
Riyadh
Summary
Product Owner with over 6 years of experience in building and launching innovative digital products, particularly in mobile applications. Expertise in bridging business objectives with user needs by leading cross-functional teams to deliver impactful features that enhance overall customer experience. Strong foundation in Agile methodologies, market research, and stakeholder collaboration enables a focus on solving real problems while driving measurable results. Committed to fostering user needs solutions and continuous improvement.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Digital Product Owner
Al Rajhi Capital
Riyadh, Saudi Arabia
04.2026 - Current
- Led cross-functional teams to define product vision and solutions.
- Collaborated with stakeholders to gather requirements
- Conducted market research and competitor analysis to inform strategic product decisions and feature enhancements.
- Evaluated and prioritized features to enhance user experience.
- Facilitated agile ceremonies, including sprint planning and retrospectives, to optimize team performance and deliverables.
Digital Product Owner
Riyad Bank
Riyadh
12.2023 - 03.2026
- Led projects to enhance the customer journey across digital banking channels, driving stronger adoption of mobile and online services
- Developed and launched innovative digital products aligned with the bank's strategic goals
- Conducted in-depth market research to ensure product competitiveness and maintain a leadership position
- Prioritized the product backlog to meet business goals and deliverables within set timelines
- Collaborated with stakeholders and cross-functional teams to align product vision with execution
Senior Business Analyst
STC
10.2021 - 12.2023
- Designed detailed user stories and acceptance criteria to guide agile teams in product development
- Conducted stakeholder analysis to identify needs and manage expectations
- Ensured feasibility of solutions through collaborative assessment sessions and negotiations
Business Analyst
BSF
10.2019 - 10.2021
- Led and enhanced payments and card system projects, ensuring integration and customer satisfaction
- Developed and maintained comprehensive Business Requirements Documents (BRDS) to support project initiatives
- Conducted gap analysis and root cause analysis to resolve operational inefficiencies
- Performed rigorous unit testing to validate the quality of deliverables
- Improved customer workflows and processes to optimize service delivery
Business Analyst Co-op
Riyad Bank
01.2018 - 12.2018
- Conducted requirements gathering and gap analysis to identify project needs
- Created detailed BRDs to align business goals with project deliverables
- Documented lessons learned to facilitate continuous improvement
Education
Bachelor's - Information Systems
Imam Mohammad Ibn Saud Islamic University
08-2019
Skills
- Competitor Analysis
- Market Research
- Product Strategy
- Agile
- Problem solving
- Product vision
- Product backlog management
- Strategic thinking
- Design thinking
Certification
Professional Scrum Product Owner II (PSPO II), Scrum.org
Timeline
Digital Product Owner
Al Rajhi Capital
04.2026 - Current
Digital Product Owner
Riyad Bank
12.2023 - 03.2026
Senior Business Analyst
STC
10.2021 - 12.2023
Business Analyst
BSF
10.2019 - 10.2021
Business Analyst Co-op
Riyad Bank
01.2018 - 12.2018
Bachelor's - Information Systems
Imam Mohammad Ibn Saud Islamic University