Jos R.
Mid-Level Digital Product Owner
Open to offersNew to PlatformAbout
José Ricardo R. is an experienced Product Owner specializing in the design and development of digital platforms in the financial sector. Based in San Salvador, El Salvador, he has led projects that bridge business strategy, user needs, and technology capabilities. José has extensive expertise in web and mobile applications, particularly in defining product vision, strategy, roadmaps, and user stories. At NIU Guatemala, he spearheaded the evolution of the NIU App, enhancing digital financial services like digital wallets, virtual debit cards, and ACH transfers. His role involved coordinating multidisciplinary teams across Technology, UX/UI, and Operations. Previously, at Banco Cuscatlán, he managed digital platforms for personal banking, emphasizing digital transformation and customer experience improvement. His technical proficiencies include Agile methodologies like Scrum and tools such as Jira and Figma, with a background in Industrial Engineering and a Master's in Banking and Finance.
Experience
Product Owner
NIU Guatemala · 2026 — PresentLed the evolution of the NIU App digital platform, contributing to functional definitions and the development of new capabilities for a cohesive digital experience. Managed and prioritized the Product Backlog, roadmap, and initiatives by translating business and user needs into user stories, acceptance criteria, and functional requirements. Designed end-to-end flows for platform functionalities, including onboarding and financial products, digital wallet, virtual debit card, savings accounts, ACH transfers, payments, and tokenization. Coordinated with Technology, UX/UI, Operations, Compliance, and vendors to implement initiatives and address dependencies throughout the development cycle. Engaged in discovery processes, experience definition, and prototyping using Figma, validating functionality, testing, and monitoring deliverables until implementation.Product Owner
Banco Cuscatlán · 2022 — 2026Oversaw digital products and platforms for Retail Banking, including Digital Banking, CRM, and credit card solutions. Defined product vision, strategy, roadmap, and initiative prioritization to enhance digital capabilities and customer experience. Gathered and transformed business needs into functional requirements, user stories, business rules, acceptance criteria, and end-to-end flows. Collaborated with Technology, UX/UI, Business, and Operations teams to design, develop, test, and deploy new features and platform improvements. Participated in automation initiatives, analytics, Next Best Action (NBA), BPM, and digital transformation focused on efficiency and customer experience.Planning Specialist
Banco de Desarrollo de El Salvador (BANDESAL) · 2020 — 2022Formulated requirements for technology projects and contributed to the systematization and automation of processes. Involved in modernization and institutional innovation projects as well as planning strategic and operational initiatives.Productivity Analyst
Banco Promerica · 2016 — 2020Redesigned and optimized credit granting processes for loans and credit cards, utilizing BPMN and BPM methodologies. Developed and implemented solutions for list validation and document management within credit processes.
Skills & Expertise
Education
- Postgraduate Degree in Senior Management for the Financial SystemUniversidad de Oriente (UNIVO) · 2021 — Present
- Master's Degree in Banking and FinanceUniversidad Tecnológica de El Salvador · 2017 — 2019
- Bachelor's Degree in Industrial EngineeringUniversidad de El Salvador · 2009 — 2015
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