Product Owner Business for Partners (SME Banking)

Who We Are:

Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people. Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

We are looking for a Product Owner to lead the development and expansion of digital and financial products for legal entities, with a strong focus on SMEs and business partners. This role is part of the Product Lab and requires a blend of deep product ownership, strong business acumen, and cross-functional leadership.

You will drive the creation of innovative lending flows, enhance digital service channels, and expand the value proposition for both existing and prospective business clients. Your work will span across key product areas such as lending, onboarding, servicing, and value-added digital tools, with a clear focus on building scalable, customer-centric banking solutions across Romania and Bulgaria.

What You’Ll Do:

Product Ownership & Strategy

• Define and own the product strategy and roadmap for SME and business partner clients, working closely with the Business Owner.
• Align product development with organizational goals such as improving time-to-money, increasing loan penetration, and expanding the SME product portfolio.
• Monitor industry trends, regulatory changes, and competitor activity to identify strategic opportunities.
• Act as the domain expert for SME business products, including both lending and non-lending services.

Lending Development

• Design and continuously improve digital lending journeys tailored for SMEs (e.g., cash loans, overdrafts, in-store and e-commerce financing).
• Define detailed product requirements and lead cross-functional collaboration for delivery across platforms.
• Oversee process simplification, flow optimization, and lending automation initiatives.
• Lead the development of digital servicing channels for business clients (internet & mobile banking).
• Translate business needs into technical requirements for account management, payments, credit access, and partner services.
• Manage the end-to-end product lifecycle: planning, development, testing, launch, and performance tracking.
• Guide the product development process and ensure timely, high-quality feature delivery.
• Participate in Agile ceremonies (e.g., sprint planning, reviews), answer dev team queries, and manage prioritization.

Digital Channel Expansion

Product Development Oversight

• Serve as the main interface between stakeholders and development teams, collecting feedback and adjusting scope as needed.
• Actively support UAT and business acceptance testing.

Customer-Centric Design & Innovation

• Collect feedback from SMEs via interviews, analytics, and surveys to inform product development.
• Champion the SME user throughout the lifecycle, ensuring the product meets real business needs.
• Design scalable tools and services that increase SME engagement and retention.

Cross-Functional Collaboration

• Work closely with Business Analysts, UX, Compliance, Risk, Marketing, and Operations to ensure delivery and alignment.
• Communicate product goals, updates, and changes to internal stakeholders and broader teams.
• Maintain deep product knowledge and act as the go-to expert for product-related questions or decisions.

Requirements

What You’Ll Need To Succeed:

• 3+ years in product ownership, product management, or business development – ideally in banking or fintech.
• Strong understanding of SME client needs and business banking models.
• Proven experience developing digital financial products, especially lending and servicing platforms.
• Ability to work across multiple markets and navigate varying regulatory and operational environments.
• Business-driven mindset focused on growth, scalability, and customer value.
• Strategic thinker with strong prioritization skills and focus on measurable outcomes.
• Experience in defining product KPIs and tracking performance.

What We Offer:

• Relax and Recharge: Our Weekly Office Chair Massage.
• Unlock the joy of reading with Bookster – Access a library of inspiration.
• Benefit from 28 days of annual leave – More time for what you love ( 22 vacation days, 5 for exceptional sick leave (no medical note), and 1 for your birthday ).
• Exclusive partner discounts – Enjoy deals tailored just for you.
• A World of Friendly Faces: Join Our Passionate Multinational Team and Talk to 16+ Nationalities at tbi bank .
• Bring Your Furry Bestie: Let's Make Work Pawsome .
• A high-impact role with the opportunity to shape SME banking across Romania and Bulgaria.
• A collaborative, innovative work environment within a forward-thinking Product Lab.
• Opportunities to grow professionally while contributing to strategic initiatives.
• Hybrid work flexibility, competitive compensation, and exposure to cross-market product leadership.
• Get recognition for your work and attitude.
• Become part of a large, friendly and supportive team.
• Get additional private health insurance.
• Stay Chill, Bite into Thrill: Our Fresh Fruits/Ice Cream Program.

Visit our Career Page to learn more about what makes us different.

If this sounds like something you’d be interested in, we'd love to hear from you!

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

All applications are treated with utmost confidentiality.

By submitting your job application to tbi bank you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available on the tbi Career page.