Company Overview

The organisation operates within the fintech and digital financial services sector, providing technology-driven solutions designed to improve financial accessibility, transaction efficiency, and the management of modern financial products. Its product activities involve maintaining competitive digital financial offerings while ensuring that product performance, customer value, and operational efficiency remain aligned with business priorities.

Role Summary

The Financial Product Portfolio Optimisation Specialist will be responsible for analysing and improving the performance of a portfolio of digital financial products. The role focuses on identifying underperforming product features, evaluating customer adoption patterns, reviewing product economics, and recommending improvements that strengthen the overall value of financial services.

The successful candidate will work with product managers, finance specialists, data analysts, and operational teams to understand how individual products contribute to broader business objectives. This includes assessing product profitability, identifying overlapping functionality, evaluating customer usage patterns, and recommending adjustments to product structures and development priorities.

The position is particularly suited to a commercially minded fintech professional with strong analytical capabilities and experience in financial product performance management.

Key Responsibilities

• Monitor the performance of digital financial products across the organisation’s product portfolio.

• Analyse product utilisation, customer adoption, revenue contribution, retention, and operational performance.

• Identify products and features requiring improvement, repositioning, consolidation, or further investment.

• Evaluate product economics and prepare recommendations to improve commercial performance.

• Work with finance teams to assess revenue models, transaction costs, pricing structures, and product margins.

• Examine customer feedback and behavioural data to identify opportunities for product enhancement.

• Support portfolio planning by evaluating proposed product initiatives against strategic and commercial priorities.

• Develop performance dashboards and structured reporting for product portfolio reviews.

• Collaborate with product managers to establish measurable performance indicators.

• Identify opportunities to simplify product offerings and improve the overall customer experience.

• Conduct periodic assessments of competing fintech products and emerging industry practices.

• Prepare recommendations for portfolio optimisation and communicate findings to relevant stakeholders.

• Support the development of product lifecycle management processes and portfolio governance standards.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Analytics, or Product Management.

• At least four years of relevant experience in fintech, financial product analysis, portfolio management, or commercial performance analysis.

• Strong understanding of digital financial products and technology-enabled financial services.

• Experience analysing product profitability, customer engagement, revenue performance, and operational indicators.

• Proficiency in Excel and business intelligence or data visualisation tools.

• Ability to interpret complex financial and product performance information.

• Strong quantitative reasoning and commercial decision-making abilities.

• Excellent written communication and reporting skills.

• Ability to coordinate effectively with multidisciplinary remote teams.

• Knowledge of product lifecycle management and financial services business models.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to influence the performance and development of fintech product portfolios.

• Exposure to financial analytics, product strategy, and commercial optimisation.

• Professional development opportunities.

• Collaborative international working environment.

• Flexible working practices and opportunities to expand industry expertise.

Application Instructions

Interested candidates should submit an updated CV detailing their experience in financial product analysis, portfolio optimisation, fintech, or commercial performance management. Applications should highlight relevant analytical projects, product improvement initiatives, and experience using performance data to support strategic decisions.

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