Senior Product Owner-Financial Services
About the job
- At least 3–5 years of experience in previous business analysis or product owner roles.
- Banking or fintech experience is required.
- Experience preparing and/or executing business and technical requirements and specifications.
- Strong technical writing capabilities.
- Experience working with and managing external vendors.
- Familiarity with requests for proposals (RFPs).
- Advanced computer skills, including Microsoft Word, Excel, PowerPoint, Project, and Visio.
- Willingness to travel.
- Experience with a wireframing tool.
- Experience with analytics tools and user/product metrics and insights.
- Experience with O365.
- Proficiency in spoken and written English.
- Ability to work independently with minimal supervision and as part of a team.
- Ability to work efficiently and accurately under pressure, meet deadlines, and maintain a professional demeanor.
- Ability to respond to different organizational situations while maintaining a positive and friendly attitude.
- Ability to maintain confidentiality, treat others with respect, and uphold company values.
- Ability to adjust to changing requirements.
- Assist in preparing high-quality business requirements documents (BRDs) and software requirements specifications (SRS) that reflect business requirements and prioritize features.
- Build and continuously maintain the product backlog, including its requirements and priorities.
- Support implementation of business solutions by building relationships with key stakeholders, identifying business needs, carrying out necessary processes and practices, monitoring progress and results, identifying improvement opportunities, and adapting to competing demands, organizational changes, and new responsibilities.
- Conduct project-level analysis and produce required documentation, including business requirements, scope matrices, use cases, sequence diagrams, future-state proposals, and user acceptance testing (UAT) plans.
- Identify proactive and reactive improvement opportunities.
- Analyze and synthesize business requirements, recognize patterns, and conceptualize processes.
- Integrate business and technology teams to gather requirements for system modifications, enhancements, and implementations.
- Assist in planning testing activities.
- Solicit customer feedback, report software bugs, and relay them to engineering for subsequent build and release cycles as the product stabilizes and matures.
- Collaborate with quality assurance, developers, engineers, and architects to align solutions, identify dependencies, and ensure functional results.
- Previous experience with customer relationship management (CRM) or enterprise resource planning (ERP) implementations is a plus.
- Previous experience with core banking system implementations or migrations is a plus.
About the company
Valu is a financial technology company in Egypt focused on consumer finance and BNPL. It lets customers buy goods and services and pay in installments up to 60 months, often with little or no down payment, through a network of 6,000+ retailers and 1,500+ websites/apps. Beyond BNPL, Valu offers an ecosystem including the AZ Valu investment fund, Sha2labaz instant cash, savings tools, Ulter financing for high-value items, plus prepaid and co-branded Visa cards. Founded in 2017 under EFG Holding and listed on the Egyptian Exchange in 2025 with Amazon taking a stake, Valu aims to expand financial inclusion by simplifying access to credit while remaining profitable and leading Egypt’s consumer finance market.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Sixth of October City, Egypt
Founded
2017
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Simplify's Take
What believers are saying
- June 2026 EBRD extended EGP 600 million for green consumer finance.
- August 2026 Valu reported EGP 3.2 billion revenue and EGP 486 million net income.
- September 2026 Jordan launch and Noon Minutes partnership broaden regional and checkout distribution.
What critics are saying
- FRA's September 2026 OTP mandate forces costly compliance across every consumer-finance contract.
- Egyptian regulators intensified scrutiny after August 2026 data-violation criminal proceedings against another lender.
- Valu's funding model depends on repeated securitizations and bond markets; any freeze strains growth.
What makes Valu unique
- June 2025 EGX listing made Valu Egypt's first listed consumer-finance company.
- Valu combines BNPL, prepaid cards, credit cards, and investment products across MENA.
- EFG Holding backing and Amazon's 3.95% stake validate its capital-markets credibility.
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Growth & Insights and Company News
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0%Valu, a financial technology company operating in the Middle East and North Africa, has closed its 23rd securitised bond issuance worth EGP 945.8 million with EFG Hermes. The bond is part of Valu's eighth securitisation programme, valued at EGP 10 billion. The issuance features a 13-month tenor and is structured as a single tranche rated AA-. It is backed by a receivables portfolio assigned to EFG for Securitisation, which serves as the special purpose vehicle. EFG Hermes acted as sole financial advisor, transaction manager, bookrunner, underwriter, and arranger. The transaction reflects Valu's ongoing securitisation strategy to support growth and diversify funding sources whilst maintaining its partnership with EFG Hermes in debt capital markets.
Valu Consumer Finance has launched the first issuance under its EGP 1 billion bond programme, comprising two tranches totalling EGP 1 billion ($19.7 million). Tranche A amounts to EGP 460 million in tradable, non-convertible bonds with a 13-month maturity and a fixed annual coupon of 20.075%, paid quarterly. Each bond has a nominal value of EGP 100. Tranche B totals EGP 540 million with a 36-month maturity. These bonds offer a floating annual return linked to the Central Bank of Egypt corridor rate plus a 1% margin. In December 2025, Valu closed its 20th securitised bond issuance at EGP 1.1 billion.
The European Bank for Reconstruction and Development has provided a loan of up to EGP 600 million (€10.7 million) to Valu, Egypt's leading universal financial technology firm, to support the country's green transition. The project extends green finance to individual consumers through Valu's digital platform and merchant network. An additional €74,900 technical cooperation package will help Valu develop green finance products and build a pipeline of green assets in the retail segment. The initiative aims to stimulate demand for energy-efficient and renewable technologies amongst households. This marks the EBRD's first partnership with a consumer finance company in Egypt and the Southern and Eastern Mediterranean region. Founded in 2017, Valu operates across more than 8,500 merchants and offers flexible financing of up to 60 months.
Valu Jordan partners with MEPS and PayTabs Group to expand BNPL across in-store and online payments. * Lending * 11.06.2026 09:50 am Valu Jordan, a leading fintech platform in the Middle East and North Africa, has signed a strategic partnership agreement with Middle East Payment Services (MEPS), Jordan's leading digital payments infrastructure provider and the backbone of the Kingdom's national payments ecosystem; and PayTabs Group, MEPS' global payment solutions partner and MENA's premier provider of payment orchestration infrastructure. The partnership is designed to expand access to Valu Jordan's 'Buy Now, Pay Later' (BNPL) solutions across both physical retail and e-commerce channels, strengthening the company's presence in Jordan's fast-evolving digital payments market. Under the agreement, authorized merchants within the MEPS extensive national merchant network - built over 16+ yearsas Jordan's trusted payments infrastructure provider - and Valu's partner merchant base will be able to activate the BNPL service on supported point-of-sale (POS) terminals with no additional hardware or complex integration required. Customers shopping in-store will be able to complete purchases through the Valu app by scanning a QR code at checkout, creating a faster, more convenient, and flexible payment experience. The agreement leverages MEPS's position as the operator of Jordan's National Switching system connecting over 1,400 ATMs and thousands of POS terminals nationwide, making Valu's BNPL capability immediately accessible to one of the largest merchant footprints in the Kingdom. The collaboration will also extend Valu's payment solutions to online merchants connected to PayTabs Group payment orchestration platform. Participating e-commerce platforms and retailers will be able to add Valu as a payment option at checkout, allowing customers to access secure, flexible payment plans without requiring complex technical development or integration work on the merchants' side. By bringing Valu's BNPL offering to both POS and online payment environments, the partnership gives merchants a broader set of tools to enhance the customer experience, improve checkout flexibility, and support higher purchasing accessibility. Customers will be able to use Valu's digital platform to finance purchases in line with their approved credit limits, while gaining access to a wider range of products and services through a streamlined app-based journey. The agreement represents an important step in advancing Jordan's digital payments ecosystem and supporting the wider adoption of modern financial technology solutions. It also reflects the shared commitment of Valu Jordan, MEPS, and PayTabs Group to promoting financial inclusion, enabling merchant growth, and supporting the Kingdom's ongoing digital transformation agenda. For MEPS, the agreement reinforces its position as Jordan's payments ecosystem enabler, the connective layer through which innovation-led solutions like Valu's reach merchants and consumers at scale. It is worth noting that Valu Jordan began operations in the Kingdom in the first week of May 2026 after receiving final approval from the Central Bank of Jordan and completing all regulatory and operational requirements to launch its services under a specialized license.
Valu appoints Odai Al-Fakhouri, Jordanian national team and Pyramids FC player, as brand ambassador Thursday, 21-05-2026 11:29 AM Al-Wakil News - Valu, a leading fintech company in the Middle East and North Africa region, announced the appointment of Odai Al-Fakhouri, Jordanian national team player and Pyramids FC player, as its brand ambassador in Egypt and Jordan. This partnership reflects Valu's commitment to supporting regional sports talents and investing in the future of sports in the Middle East and North Africa. Odai Al-Fakhouri is one of the rising sports talents in the region, holding the record for the highest total transfer fee for a player from the Jordanian league to a club outside Jordan. He is the first Jordanian player to participate and score in the CAF Champions League, and recently solidified his position in Egyptian football by becoming the first Jordanian player to win the Egypt Cup, an achievement that is the first of its kind for a Jordanian player winning a major tournament in Egypt. In this context, Salma Abdel Hamid, Head of Marketing at Valu, commented: "Supporting regional talents like Al-Fakhouri is a key pillar of our broader mission to invest in the future and empower the next generation of athletes. Valu has a strong track record in supporting athletes and youth initiatives. This partnership reinforces our long-term vision to unlock the potential of sports talents and build a sustainable ecosystem that supports their growth and success on the global stage. Al-Fakhouri's achievements, whether in the Egyptian league or with the Jordanian national team, reflect the high level of football in our region, and we are proud to provide support that will help him achieve further successes in the upcoming World Cup." For his part, Odai Al-Fakhouri said: "It is an honor to collaborate with Valu, an ambitious brand that understands the aspirations of youth. This partnership is a natural alignment bringing together the world of sports and a shared vision for growth and success. I look forward to making a positive impact that resonates with fans and youth across the region." Meanwhile, Batoul Al-Fayez, Marketing Director at Valu Jordan, said: "We are delighted to welcome Odai Al-Fakhouri as our brand ambassador in Jordan. Al-Fakhouri's career reflects the strength of Jordanian talent and resonates widely with many young athletes in the region. Through this collaboration, we look forward to strengthening our connection with the Jordanian community and supporting a model that inspires ambition and continuous development." Al-Fakhouri's rising international presence was highlighted recently when he won the "Goal of the Round" award in the AFC Champions League Two, achieving over 51% of the fan vote. Through this partnership, Valu affirms its commitment to supporting a modern lifestyle and excellence beyond financial services. By supporting a prominent athlete like Odai Al-Fakhouri, Valu highlights a new generation capable of competing globally, reflecting the role of national brands in achieving long-term impact, promoting ambition, and fostering regional pride. About Valu: Valu (legal name: U Consumer Finance S.A.E), stock code (EGX: VALU.CA), offers a leading fintech platform in the Middle East and North Africa region, providing comprehensive and accessible financial services for individuals and companies under its product umbrella. Valu is the first specialized fintech company in consumer finance listed on the Egyptian Stock Exchange (EGX), reflecting its strong growth trajectory and innovative business model. In Jordan, Valu provides innovative digital financing solutions that facilitate access to financial services, including initially offering a "Buy Now, Pay Later" (BNPL) service, which allows customers to pay for their purchases in installments of up to 60 months through a network of approved merchants, via a seamless and fast digital experience, enabling customers to adopt more flexible lifestyles, while managing their spending smartly in line with their daily needs and future aspirations. Valu's operations in Jordan come after obtaining a license from the Central Bank of Jordan to conduct specialized financing activities, as part of its commitment to providing responsible and regulated financial solutions that contribute to enhancing financial inclusion and improving the user experience in the digital finance sector. Valu also seeks to build strategic partnerships with various entities in the local market, contributing to the development of the consumer finance ecosystem and expanding the scope of digital financial services in the Kingdom. For more information about Valu, please visit www.valu.com.eg For further information, please contact: Public Relations Department at Valu Egypt [email protected] Mai ElGammal Head of Marketing and Communications [email protected] Omar Salama Head of Communications and Public Relations [email protected] Batool Al-Fayez Marketing Director - Valu Jordan [email protected]