Product Owner Auto Lending

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 the product vision and roadmap for Auto merchants within the Instore lending product line in collaboration with the dedicated Business Owner, ensuring alignment between commercial strategy and product development.

• Translate Auto industry trends, dealer network structures, and customer needs into product requirements and business strategies.

• Prioritize initiatives and features based on impact, scalability, and alignment with business and profitability objectives.

• Serve as the domain expert on Auto lending within the organization.

Product Growth & Profitability

• Identify and execute growth opportunities in the Auto vertical (e.g. increasing merchant penetration, improving conversion, optimizing pricing).

• Continuously monitor product performance and define strategies to improve unit economics, ticket size, customer retention, and revenue.

• Collaborate with Risk, Finance, and Data teams to adapt approval logic, pricing, and cost models specific to the Auto segment.

Merchant-Centric Product Design

• Engage directly with Auto merchants (dealers, service networks, etc.) to understand their needs, pain points, and value drivers.

• Design tailored merchant onboarding, integration, and lending flows suitable for Auto use cases.

• Lead the development of value-added features and commercial tools for Auto merchants (e.g. post-sale services, vehicle-related financing, bundles).

Customer Journey Optimization

• Ensure a smooth and intuitive experience for Auto customers choosing financing at point of sale.

• Adapt the customer journey to the specifics of Auto purchases (e.g. high-value tickets, service bundling, multi-party flows).

Product Development Oversight

• Guide the product development process, ensuring timely delivery of high-quality features in line with the product roadmap and requirements.

• Take part in regular sprint meetings, provide feedback, and answer all developers’ questions related to the requested functionalities, and adjust priorities as needed to meet product goals.

• Act as a primary point of contact between stakeholders and the development team, managing expectations, gathering feedback, and addressing concerns.

• Take an active role in features testing in UAT and business acceptance.

Cross-functional Collaboration

• Work closely with Business Analysts, UX, Compliance, Risk, Marketing, and Operations etc. to ensure successful product delivery and adaptation.

• Communicate product updates, releases, and progress to stakeholders and the wider organization.

• Maintain in-depth product knowledge and act as the Go-To Expert for all product-related requests.