Cards & Payments Product Innovation Specialist - Openbank

About the Company

Responsibilities

• ● h mindset, identifying customer needs, market trends and new business opportunities and turning them into simple, distinctive and scalable digital products. Own product definition and business prioritization, providing delivery teams with clear customer journeys, functional requirements, acceptance criteria and measurable outcomes.
• ● Product innovation and opportunity identification : Identify unmet customer needs, fintech and retail digital trends, and new business opportunities, translating them into differentiated product concepts and scalable propositions.
• ● Product strategy and prioritization : Define the product vision, value proposition and opportunity pipeline. Prioritize initiatives based on customer value, differentiation, business potential, strategic alignment and speed to market.
• ● Customer experience and product definition: Define simple and intuitive customer journeys, business rules, functional requirements and acceptance criteria, ensuring commercial, regulatory and operational viability.
• ● Data-driven validation and growth: Use customer insight, market analysis and product KPIs to validate opportunities, build business cases and assess measurable customer and business impact.
• ● Cross-functional product leadership: Coordinate Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners, providing clear product decisions and visibility to senior management. Day-to-day project management, testing coordination and operational implementation remain with the relevant delivery teams.
• ● Market and ecosystem evolution: Assess relevant fintech, payments, digital commerce and regulatory developments, and identify partnerships or ecosystem opportunities that can improve the customer proposition or unlock growth.

Requirements

• ● Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We're enabling teams to go beyond by valuing who they are and empowering what they bring.
• ● The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• ● Professional Experience
• ● +4 years of relevant experience.
• ● Demonstrated product excellence, entrepreneurial drive and tangible product outcomes will be valued above tenure.
• ● Business Administration, Engineering, Economics, Finance, Design, Technology or a similar degree (required).
• ● Additional knowledge of payments, cards, fintech, digital commerce, customer experience or digital product development will be highly valued (preferred).
• ● High level of English (Required)
• ● Strong knowledge of payments, card products or adjacent fintech propositions. (Required)
• ● Demonstrated ability to identify unmet customer needs and turn loosely defined opportunities into differentiated product concepts, experiments and scalable propositions. (Required)
• ● Outstanding product judgment and a high bar for quality, simplicity and customer experience. (Required)
• ● Strong analytical and commercial capabilities, able to interpret customer, market, competitor and KPI/economics data to identify opportunities and assess impact. (Required)
• ● Ability to prioritize based on customer value, differentiation, business potential, strategic alignment, speed to market and execution complexity.
• ● Ability to coordinate and influence Digital Channels, UX, Technology, Operations, Risk, Compliance, Growth and external partners.
• ● Resilience and pragmatism to push valuable ideas through complexity without losing customer simplicity.
• ● Curiosity and the ability to learn the banking and operational model quickly are essential.
• ● Entrepreneurial mindset, curiosity and ambition to build, test and improve new propositions.
• ● Constructive challenger, comfortable questioning established assumptions and navigating organizational constraints.
• ● High energy and bias for action, with ownership to move ideas from opportunity identification to validation, business case and delivery.
• ● Original thinker who brings external perspectives and avoids replicating existing ways of working.