JOB DESCRIPTION

We are looking for a “Technical Product Owner” with strong systems thinking who is not afraid of APIs, General Ledger (GL) entries, complex calculation logic, and regulatory requirements. Experience in Banking Collections/Recovery is mandatory. In this role, you will own the logic that ensures the bank recovers funds correctly, compliantly, and efficiently.

Your Key Responsibilities:

• Ensure a unified approach to Delinquency Management for all segments (Retail + Corporate) and products
• Own the logic for automated repayment orchestration and priority management
• Collaborate with Core Banking and Channel teams to ensure data consistency across the repayment lifecycle

What Makes You a Great Fit

Essential Domain Knowledge (Must-Haves):

• Debt Lifecycle: Deep understanding of the end-to-end flow: from Early Collection (Soft) to Late Collection (Hard), Restructuring/Forbearance, and Write-offs
• Payment Hierarchies (Waterfalls): Knowledge of how payments are allocated (Fees -> Interest -> Principal) and how this varies by regulation or contract type
• Accounting Basics: Understanding of how loan events affect the General Ledger (GL), including accruals, provisions (IFRS 9 stages), and bad debt recognition

Requirements:

• Lending & Collections Domain: Deep knowledge of loan repayment processes, delinquency management, and penalty/interest calculations. Experience with Retail and Corporate products
• Technical Savvy (API & Logic): Ability to read and discuss technical documentation. Understanding of synchronous/asynchronous calls and Event-driven architecture
• Core Banking Knowledge: Knowledge of Oracle Flexcube (or another major CBS) logic regarding Accounting, Limits, and Asset Classification is a huge plus
• Regulatory Logic: Understanding of strict regulatory requirements for funds debiting, account blocking, and repayment priority rules
• Technical Backlog Ownership: Ability to structure a technical backlog where dependencies matter more than UI. Understand that “API A must be ready before Service B” and prioritize accordingly. Skills in breaking down monolithic technical tasks into deliverable iterations (slices)
• Detailed Specification Writing: Experience in writing User Stories that look like technical specs: covering happy paths, edge cases, error handling, and data mapping. “Vague” is not in your vocabulary
• Team Interaction (Dev-Centric): Ability to speak the same language as backend developers and architects. Ability to discuss API contracts and logic flaws during refinement sessions effectively
• Agile Execution: Hands-on experience facilitating Agile ceremonies (Refinement, Planning, Review). Ability to ensure the dev team is unblocked and understands what to build and why.
• Stakeholder Collaboration: Ability to act as the daily bridge between Business and IT. Not just forward emails, but translate “Banker language” into “Developer language” and vice versa
• Fluent English is required in spoken and written communication due to working on the Pan-Baltic level

Why You Will Love Working Here:

• Flexibility. Flexible working hours, Hybrid work, and the possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)
• International teams. Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun
• Culture. You’ll be joining a team where things move fast, ideas flow freely, and change is part of the everyday. It’s a dynamic environment that keeps you learning, growing, and never bored
• More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
• Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes
• Paid leave. 
• Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states, as well as Health days in case of your absence due to sickness without a doctor’s note needed
• Wellbeing. Access to tools and resources that help you feel good and be productive at work and in life
• Professional growth. Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etc
• Gross salary. 3,400 – 5,000 EUR/month, which is to be determined depending on your level of experience and competencies

Are you interested in this position?

Apply by clicking on the “Apply Now” button below!
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