Leaders in Product: Driving Customer Impact in Modern Financial Services

"Product is all about falling in love with the problem, not falling in love with the solution. AI is so sexy... but if at the end of the day it’s not driving the outcome and delivering customer value, what’s the point?"

 

- Ritchie Hou, Director of Product Management at Capital One

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  Ritchie Hou

  Director of Product Management

  

  Ritchie Hou is the Director of Product at Capital One, where he oversees the development and delivery of financial products that aim to combine innovation, user experience, and reliability. With deep expertise in product leadership and a sharp understanding of customer needs in banking and finance, Ritchie guides teams to build solutions that make financial services more accessible and intuitive. Known for aligning business goals with user-centric design, he collaborates across engineering, design, risk, and business stakeholders to shape products that meet both regulatory standards and customer expectations.

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  Obafunto Ayinoluwa

  Director, Digital Experience, Avion Rewards

  

  Obafunto Ayinoluwa is the Director of Digital Experience for Avion Rewards at RBC, where he oversees the design and delivery of digital features that enhance customer engagement and loyalty. In this role, he leads product and experience strategy to ensure the Avion Rewards platform meets the evolving needs of users. With a strong background in digital product design and customer experience, Obafunto combines strategic vision with operational execution to create intuitive, secure, and rewarding digital journeys for RBC clients.

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  Timothy Das

  Head of Design & Digital Product

  

  Timothy Das is the Head of Design & Digital Product at Scotiabank, where he leads the development and execution of innovative digital solutions to enhance customer experience. With a strong background in product management and design, Timothy has been instrumental in driving the bank's digital transformation initiatives.