Product Owner - Affluent & Private Banking Cards

Aion Bank is a fully regulated European bank and credit institution combining Vodenos 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 Vodenos existing Banking-as-a-Service (BaaS) offering across key European markets includingGermanyandPoland 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 ourbiggest strength is our peoplea 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.

Product Strategy & Commercialization:

• Define the strategic vision for the affluent and private banking card product vertical.

• Drive the products commercial success holding co-responsibility for scaling margin and revenue including ownership of the product P&L.

• Develop and implement pricing strategies to grow product margin.

• Conduct continuous market research and global benchmarking to develop a unique selling proposition (USP).

• Run financial modeling to forecast the impact of product changes and promotions.

• Collaborate with marketing and CRM teams to design effective communication and lead-nurturing campaigns.

• Take ultimate ownership of the product origination funnel and its efficiency.

Team Leadership & Delivery:

• Act as the line manager for the product delivery team with hire and fire empowerment.

• Lead the teams agile ceremonies including release and sprint planning scope grooming and velocity management.

• Design product solutions and prepare detailed epics user stories and acceptance criteria.

• Ensure all solution design documentation in Jira is complete structured and maintained to a high standard.

• Decide on product readiness for UAT and production deployment and oversee re-testing in the PROD environment.

Operations Risk & Compliance:

• Design and document product operational processes in cooperation with the OPS team.

• Monitor the regulatory framework to identify required enhancements and ensure product compliance.

• Draft and manage all product-related legal artifacts including terms and conditions contracts and promotional rules.

• Procure and own relationships with third-party suppliers including facilitating security and GDPR assessments.

• Prepare and submit requests for product approval to the relevant committees as required by regulatory standards.

• Act as the second line of defense for customer complaints and production incidents.

Financial Planning & Reporting:

• Propose the annual product budget and prepare quarterly forecasts.

• Report to management on commercial performance versus budget and on the delivery teams progress.

• Experience: A minimum of 5 years of experience in a Product Owner role.

• Domain Expertise:Proven in-depth experience in the affluent and/or private banking sector is essential. A strong background in general cards issuing is also required.

• Partnership Experience:Demonstrable experience working with major card networks (Mastercard or Visa) is key.

• Leadership:Experience leading a cross-functional Scrum team consisting of analysts developers and testers. While deep technical knowledge is not mandatory the ability to guide a technical team is crucial.

• Location: This is a hybrid role based in Warsaw with an expectation for managers to be able to work from the office for part of the week.

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 youre 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!