Product Owner – daily banking

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.

We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

You will lead the development of our Daily Banking product suite and services, inc. current accounts, joint accounts, junior accounts (kids), and FX services. Your goal is to craft competitive value propositions that meet the needs of our customers

Key Success Metrics:

• Delivery: Healthy project backlog and good team velocity

• Growth & engagement: New customer acquisition, salary/activity domicile rates and Mobile App active users

• Revenue: FX conversion volume and margins

Your Responsibilities:

• Strategy & Vision: Contribute to the long-term strategy for the Daily Banking vertical.

• Backlog Management: Prepare and prioritize the backlog for a dedicated delivery team based on inputs from many stakeholders.

• P&L Ownership: Drive commercial success by managing pricing strategies, margins, and revenue. Prepare yearly budgets, quarterly forecasts, and financial simulations for new features or re-pricing.

• Commercial Campaigns: Design and test promotions in collaboration with Marketing and CRM teams, ensuring a solid legal and regulatory framework.

• Team Leadership: Act as a Line Manager for the DB delivery team (recruitment, performance management) and serve as Scrum Lead for agile rituals.

• Product Discovery: Conduct continuous benchmarking, market research, and user feedback collection to stay ahead of global trends and regulatory changes.

• Execution: Design products by helping analysts to create high-quality JIRA tickets and design artefacts (wire-frames, mockups epics)

• Compliance & Risk: Partner with Legal and Compliance teams to assess risks and draft essential documentation (T&Cs, Price Lists, Product Fact Sheets).

• Operational Excellence: Define non-automated operational processes in cooperation with the Ops team and create standard operating manuals.

• UAT & Launch: Oversee User Acceptance Testing (UAT) and sign off "Go-Live" decisions in both UAT and Production environments.

• Vendor Management: Manage relationships with third-party suppliers, overseeing procurement, GDPR assessments, and IT security standards.

• Experience: 5+ years as a Product Manager/Owner in Banking or Fintech or similar role

• Domain Expertise: Deep knowledge of core PI banking products (Current Accounts, FX, including at least basic understanding of regulatory frameworks).

• Commercial Acumen: Focus on product excellence and Unique Selling Proposition (USP), preferably with a proven track record of responsibility for P&L result

• Technical Fluency: Understanding of APIs and core banking systems 

• Agile Mastery: Proven experience in leading Scrum ceremonies and managing delivery velocity

• Regulatory Knowledge: Experience in drafting legal artifacts and designing compliant processes

• Language: Fluency in Polish and English.

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!