Product Owner – BaaS / Embedded Finance (Customer-Aligned Team)

Permanent employee, Full-time · Poland - Warsaw - HQ

What we do?

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno’s cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

We are currently looking for a  Product Owner – BaaS / Embedded Finance (Customer-Aligned Team) ready to join our adventure, share our ambition and help shape the future of digital banking.
What you will be doing?

You will join our Customer-Aligned Team (CAT) model — a cross-functional squad fully responsible for building and delivering BaaS solutions to specific clients or client groups.
This is a hybrid role between a Product Manager and a Business Builder — combining product thinking, client-facing collaboration, and end-to-end execution.

Your key responsibility: build value with and for the client, by shaping solutions that are not just deliverable, but scalable and repeatable.

You will:

  • Co-create use cases with clients and Sales based on real business needs — and shape them into productized, repeatable offerings

  • Lead solution design from idea to live delivery, owning the result and value delivered to the client

  • Take active part in pre-sales, helping scope technical and business feasibility while staying lean

  • Run delivery execution: own scope, remove blockers, and ensure we deliver what was promised - on time, with clarity

  • Collaborate across legal, compliance, finance, and engineering to ensure the solution makes sense across all dimensions

  • Monitor outcomes: revenue potential, time-to-market, delivery margin - and course-correct when needed

  • Contribute to building playbooks and assets that help us scale delivery across similar clients

  • Grow into a CAT lead role, with direct responsibility for a client-facing delivery squad in the future

Skills you should have
  • You have 5 years of experience in product roles (fintech, SaaS, BaaS, or payments)

  • You understand the BaaS value chain: accounts, payments, compliance, cards, client onboarding

  • You’ve worked with clients directly and know how to turn unclear needs into concrete, valuable product propositions

  • You care about results, not just roadmaps — and are comfortable being the person who signs off scope and stands behind it

  • You work well across functions: Sales, Compliance, Engineering, Finance

  • You’re pragmatic, independent, and enjoy solving ambiguous challenges without waiting for permission

  • You have an entrepreneurial mindset: focused on value, cost, and impact — not just features



What we offer
You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package
We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support. 
Aion bank account without fee. 
We co-sponsor your Multisport card and cover 50% of its cost. 
You will work on computer equipment that delivers the best user experience — Apple MacBook
Our office in Warsaw offers healthy snacks throughout the day.
Our process
We keep our recruiting process simple. 
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment
Our note to you

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!

We are looking forward to hearing from you!
Thank you for your interest in Aion Bank. Please fill out the following short form. Should you have difficulties with the upload of your data, please send an email to recruiting@aion.eu
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