Product Owner for Consumer Lending (f/m/x) – Digital Bank

Raiffeisen Bank International

Job Overview

International business requires an international corporate philosophy. Are you open to new ideas and do you value cultural diversity? At Raiffeisen Bank International, we are pleased to have more than 16 million customers in 13 CEE countries. And our journey continues – with exciting new issues for us to tackle such as digitalisation and changing customer needs. Join us on our journey.

Product Owner for Consumer Lending (f/m/x) – Digital Bank

We create the new digital-only Retail banking business line as part of the Raiffeisen Bank International with the seat in Vienna. We are looking now for curious, hardworking and experienced team players to strengthen our team to build it up and later run the business. We are the team of professionals with a start-up culture in charge of one of largest digital innovation projects in our banking Group. We have plans to build new digital banking end-to-end customer journeys and plan to roll the service out across multiple CEE countries. First, you will drive the solution development by providing analysis, insights and requirements and later will take care of growing the business. We think, this is the unique, and maybe once per life opportunity, to build something new and great and be part of it as one of the first grounders.

What you can expect:

  • Define digital e2e unsecured lending vision, consumer loan product value proposition, product functional and differentiating parameters and pricing
  • Be in charge of product overall financial performance and compliance, set a business plan (incl. sales plan) and steer the product business case towards it in cooperation with the key stakeholders: sales, risk, operations, IT
  • Represent customer insight within the team, lead a market research and market testing initiatives to understand unsecured digital e2e consumer lending market appetites and opportunities; test and understand customer behavior maximizing sales and optimizing pricing
  • In the build-up phase: define and align product solution epics, orchestrate a cross-functional development team, gather requirements from all stakeholders, verify a solution design and define customer journeys & key elements of UX/UI
  • Coordinate area Product Owners representing the business side within the agile IT delivery teams, make sure that product solution epics are elaborated by area Product Owners into use stories / user acceptance criteria
  • Closely cooperate with designers, validate customer journeys, wireframes and other critical elements of UX/UI
  • Review agile delivery teams results in terms of compliance, assist in troubleshooting and incidents resolution, support solution development being the first business point of contact for the IT delivery team

What you bring to the table:

  • 5+ years of experience in unsecured consumer lending business for private individuals in a banking or a non-banking organization in CEE region
  • Solid experience in delivering large agile projects
  • Experience in Polish market research and testing
  • Full understanding and solid experience in product setup (accounting) within a core banking system
  • Experience in defining consumer lending workflows (loan origination process) and setting up a new retail lending business line and product
  • Digital savvy, understanding of digital/neo banking industry and recent financial innovations
  • Experience in business analysis and implementation of retail banking IT solutions is an advantage
  • Financial modelling skills is an advantage
  • Credit risk management knowledge is an advantage
  • Advanced communication and negotiation skills, experience in getting structured requirements from stakeholders
  • Fluent English and Polish

What we offer:

  • You’ll work in an international agile team with a start-up culture
  • You’ll benefit from flexible working arrangements and determine your own work-life balance
  • You’ll benefit from the very latest in tailored professional development
  • You’ll earn an appropriate salary starting at EUR 60.000 gross p.a. including overtime

RBI AG is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ethnicity, race or color, national origin, religion, political or other opinion, gender, sexual orientation or disability.

We are looking forward to receiving your online application!
Share this job

“By expats for expats” is the first expat friendly job platform in Austria where you can find all English speaking job openings.