Kreditech logo Kreditech

Head of Product/Product Owner (m/f) | Warsaw

Creata il 06-04-2018
Location Hamburg Office

Descrizione




Join the financial revolution!


Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us!


Our Need


  • We are looking to build a Poland based product team to help us scale our “Lending as a Service” - purchase financing business with particular emphasis on the e-commerce market;
  • We are one of the most innovative online lending company today in Poland with a range of loan/payment products for online customers such as installments (PayU Raty), buy now pay later (Payu Płacę Później) and direct online loans (Monedo);
  • We are looking for an extremely strong product management professional with a strong educational background who has the knowledge, skill-sets and business acumen to be successful in this challenging role.

Your Role


  • Own all our online lending products and processes spanning across the entire lifecycle of a loan/transaction from origination to collection in Poland;
  • Directly manage a cross-functional product design, engineering and business process team to continuously improve the product with a strong focus on shipping features and learning from customers;
  • Drive vision, strategy, annual roadmap plans, day-to-day management and multi-function orchestration of our products in Poland;
  • Develop and own cross-functional roadmap of product and process improvements by working closely with executive leadership, strategic partners and cross-functional teams;
  • Build product backlog so that development team accepts and delivers product/sprint;
  • Collaborate closely with other key stakeholders at our product and engineering headquarter in Hamburg:  Data Science / Underwriting for credit risk management, Central Engineering & Technology, Design, Legal and Compliance, Collections, Finance and Business Intelligence;
  • Be responsible for product value proposition, product features & processes, customer lifecycle touchpoints, customer experience, overall business impact (1-3 years horizon);
  • Manage all key areas of product development: conversion optimization, UI / UX development, product analytics, market research, competitive analysis, customer support, cross-functional process improvements,  roadmap and priority management;
  • Closely follow the unit economics and commercial performance of your product and on request drive improvements with the relevant stakeholders;
  • Manage further roll out of product across 100’s of new merchants and be part of big partnership discussions to help scale business;
  • Represent and contribute to our company’s core values of data-driven, ownership, efficiency, Innovation, Integrity and “One Team”;
  • Be located in Warsaw, Poland, with 15-25% requirement for travel.

Your Strengths 


  • Formal university education in either of: finance, banking, economics, business;
  • 5 years of strong track record in management and development of a successful consumer lending product in ecommerce or fintech space;
  • Managed or developed successful consumer digital products preferably in finance or e-commerce domain;
  • Strong sense of good product UX, processes and technical design. You have experience in designing and documenting complex product processes that delivers high customer satisfaction and business value;
  • Able to define best practices for e-commerce/online finance products and have a deep understanding of e-commerce customer segments and online retailers/merchant’s operational/payment challenges;
  • Able to demonstrate a deep understanding of consumer credit, AML regulations and processes in Poland;
  • Familiar with different legal structures possible to enable online lending in e-commerce/retail sector;
  • Follow recent regulatory and business trends in Polish fintech especially payments vertical;
  • Some exposure to core-banking systems and designing financial products in partnership with finance/accounting/payment teams;
  • Strong sense of KPIs and are able to develop a holistic understanding for unit economics of a lending product
  • Previous experience in developing and modeling business cases;
  • Strong customer-orientation and are obsessed with delivering best-in-class services and experiences at extraordinary quality;
  • Fluent in English.

How to apply


We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link. 

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