Product Owner

RiverBank's mission is to be the digital bank that makes financing to SMEs and Real Estate professionals easy.

From our offices in Amsterdam, Frankfurt, Paris and head-office in Luxemburg, we act as a niche-lending specialist. Our core focus is to grant loans to Small and Medium Enterprises and Real Estate Investors in Europe using a fast, flexible and reliable IT platform.

RiverBank operates under a full and universal European Banking License delivering a one-stop shop approach in the entire EU.

As a young company, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong teamwork. RiverBank will offer an entrepreneurial environment within the regulatory banking framework - a place for people to learn, to achieve and grow. Our culture will promote diversity and individual perspectives in an international environment, represented by more than 15 nationalities.

At RiverBank, we cherish our employees and foster a culture of learning and improvement. From your first day - where you will join a dedicated program to ensure your integration is successful - until many years later, you will be given the required resources to develop personally so that your career at RiverBank gives you a meaningful and lifelong learning experience.

Primary Responsibilities

You will support the development of our "Instant Loans" Business Line, a range of next-generation, data-driven business Credit Solutions targeted at SMEs in France and in Europe: Short Term Loans (STL), Merchant Cash Advances (MCA) and deferred payment solutions (BNPL). They are distributed by leveraging strategic partnerships with B2B communities where they complement and enhance the overall value proposition (PSPs, marketplace and e-procurement operators, PaaS and intermediation platforms, etc.).

In particular, you will:

• Own and manage the Product roadmap, take responsibility for its execution, structure the offering and drive product innovation;
• Design partner-driven customized solutions and manage related development and deployment projects, engaging with all departments of the bank (DEV/IT, Risk, Legal and Compliance)
• Ensure ongoing improvement of the solutions UX performance and operational efficiency;
• Know your markets, competitors and potential customers like the back of your hand,;
• Design go-to-market strategies and action plans, defining clear value propositions and competitive strengths for each existing and future IL credit Solution;
• Empower the marketing, sales and customer success teams by providing detailed information on products and by supporting deal closing and customer support efforts;
• Manage an up-to-date Product portfolio: shared and detailed library of product features for each Instant Loan product or version: credit characteristics, operational, technical and financial flows, CX, BMO impact, risk limits, etc.
• Manage relationships and contracts with technical sub-contractors
• Take ownership for hiring, building and scaling our products team over time.

Required qualifications and experience

• You have approximately 5-10 years of experience with an investment bank, an asset manager or an investment/debt fund, as a structurer or debt advisor or in a product management position;
• You have built your experience in a fast-growing regulated Financial Services operation; past experience in the banking, insurance or payment sectors, is a plus;
• You show empathy and you like engaging prospects, understanding their needs and decision processes, and designing the right solution for them. You are always keen to do the extra mile for clients to make them successful.
• You have recorded successes in seeing strategic customer projects through from beginning to end, owning the entire process and coordinating internal stakeholders;
• You have demonstrated your capacity to engage IT/DEV teams, to adapt to their vocabulary, to understand technical issues affecting the development and operation of Credit Solutions;
• You are organized, autonomous, rigorous and detail-oriented: you like structure and organization, and you are comfortable working on complex ecosystems. You do not let any ball drop, no matter how many there are.
• You are data-driven. You are able to identify and solve ambiguous problems to make business decisions using relevant data and insights;
• You are a team player with strong interpersonal skills and ability to coordinate with internal and external stakeholders;
• You have an entrepreneurial mindset. You do not hesitate to take ownership and "get your hands dirty";
• You hold a master's degree in engineering (preferred) or finance;
• You have excellent oral and written communication and presentation skills;
• You are fluent in French and English, an additional language is a plus.