Product Owner (Cards)

Join us and get a once-in-a-lifetime opportunity to literally build a local banking champion!

Yes, you can! That's our attitude towards our work, ambitions, ideas, and relationships.We at Luminor believe that anyone has the potential to achieve big things and encourage everyone to achieve them,professionally and personally.

Whoever you are and whatever your role is, with Luminor, you will get a once-in-a-lifetime opportunity to build a local banking champion.

Are you passionate about building products that customers love and businesses rely on? As a Product Owner, you will shape the future of our Cards Issuing products by defining the product vision, driving strategic initiatives, and leading cross-functional teams to deliver innovative and impactful solutions. You'll combine customer insights, market trends, and data-driven decision-making to create seamless card experiences and drive measurable business results.

How You Will Make an Impact:

• Own the strategy, roadmap, and long-term development of Cards Issuing products, ensuring alignment with customer needs, market trends, and business objectives.
• Lead product discovery and prioritization, making data-driven decisions that maximize customer value and business impact.
• Drive the end-to-end delivery of product initiatives, from concept through implementation and continuous optimization.
• Monitor product performance, customer feedback, and market developments to identify growth, innovation, and improvement opportunities.
• Lead cross-functional collaboration across Technology, Operations, Customer Service, AML, and other stakeholders to deliver strategic product outcomes.
• Act as the key decision maker for product priorities, balancing customer experience, operational efficiency, regulatory requirements, and commercial objectives.
• Oversee major product changes, system upgrades, and complex issue resolution, ensuring successful implementation and sustainable solutions.
• Champion continuous improvement of products, processes, and customer journeys across the Cards ecosystem.
• Ensure products comply with regulatory requirements, risk standards, and internal governance frameworks.
• Serve as the Cards product subject matter expert, providing guidance, mentoring, and product leadership across the organization.

• Experience in Product Management, Product Ownership or a similar role in banking, payments, or financial services.
• Strong knowledge of Cards products and related business processes.
• Experience defining, analyzing, and documenting business and product requirements.
• Strategic mindset with the ability to prioritize and drive product initiatives.
• Strong stakeholder management and workshop facilitation skills.
• Excellent communication skills with both business and technical audiences.
• Good understanding of IT systems and Agile delivery practices.
• Strong analytical, problem-solving, and decision-making abilities.
• Proactive, hands-on, and highly organized approach to work.
• Ability to quickly learn new products, processes, and technologies.
• Knowledge of the Baltic banking market is an advantage.
• Fluent English is required in spoken and written communication due to working on Pan-Baltic level

• 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. We are proud of our employees who are participating in military training. Therefore, Luminor offers 30 fully paid calendar days for military training every year
• 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
• Special Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by Luminor