Product Owner Mid-CorporateCorporate Banking lending area

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.

• Business Strategy P&L Management & Financial Performance
• Full P&L ownership for Corporate/CIB Lending and Trade Finance products.
• Managing and scaling a revenue stream of 40M PLN including margin optimisation and pricing strategy.
• Defining product vision setting multi-year strategic objectives and preparing budgets & forecasts.
• Conducting financial modelling to assess the impact of product changes (re-pricing new features regulatory adjustments).
• Identifying and evaluating new growth opportunities in Corporate Lending Trade Finance and Cross-Border solutions.
• Monitoring profitability customer adoption risk-adjusted return and overall performance of the lending portfolio.

• Driving end-to-end product lifecycle from concept and requirements through build to production launch.
• Translating business needs into product requirements epics user stories and acceptance criteria.
• Managing and prioritising sprint backlog ensuring timely and high-quality delivery.
• Using Smart Contract Core Banking System and low-code automation to design complex lending logic workflows and contractual conditions.
• Working closely with cross-functional teams (IT Data Risk Legal Operations) and Group stakeholders to ensure consistent delivery across markets.
• Ensuring product scalability within multi-country architecture and alignment with strategic technology standards.

• Ensuring full compliance with EBA regulatory framework including all lending-related supervisory expectations.
• Defining requirements for COREP DPM (Data Point Model) and associated regulatory reporting obligations.
• Managing regulatory and operational risk including AML TF sanctions/embargo controls and credit policy alignment.
• Ensuring transparency of lending conditions customer documentation data quality and data protection.
• Acting as the products primary owner in cooperation with Compliance and Risk teams.

• Embedding Sustainable Finance principles and ESG in product design pricing and risk models.
• Supporting development of cross-border CIB products leveraging multi-country architecture to harmonise lending processes and scale capabilities across Europe.
• Identifying innovative digital lending opportunities and leading initiatives that modernise the corporate credit experience.
• Driving strategic alignment across Group units to deliver unified CIB propositions on international markets.

• 5 years in fintech or digital banking blending financial commercial and technical expertise
• SME andCorporate Bankingsegment know how and experience
• Analytical skills for market dynamics and quick learning ability for evolving regulations
• Strategic planning skills aligning decisions with long-term organisational goals
• Demonstrated experience in managing product backlogs and prioritising user stories
• Familiarity with JIRA for managing product backlogs
• Knowledge of the product domain and industry trends including relevant technologies and customer needs
• Strong communication networking and information-gathering skills
• Stakeholder engagement team spirit and assertive diplomacy for effective collaboration
• High integrity adaptability and proactive mindset in handling multiple responsibilities
• Ability to efficiently communicate in both: Polish and English languages(role with international exposure)

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!