Customer Offering Senior Expert

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Luminor Group

This is the time full of new opportunities and chances to stand up and bring out the best in you!


Are you excited about understanding people’s behaviour, analyzing data and building products based on the needs of customers? Then this might be an opportunity just for you!

The purpose of this position is to develop market leading offering to our existing and future customers. This will be achieved by clearly defined individualized and contextual offers based on customer life-cycle, micro-segmentation and a focused product portfolio.

Customer Offering Senior Expert has a responsibility for delivering Luminor customer offering, including target product portfolio definition, pricing principles development, approach to packages, customer programs, new product testing, and other areas related to introducing new offers to the market. This position assumes wide understanding of customer needs, offer development and delivery channels. Excellent project management skills are the basis for executing the tasks successfully.



    • Participate in Luminor customer strategy development, lead discussions, summarize input, propose approaches, provide recommendations as well as analyze customer base, product usage and offering effectiveness, share insights with stakeholders
    • Develop customer base value proposition and respective offers for different strategic, tactical and micro-segments
    • Participate in the customer communications and offering process, ensuring that proper segments are selected for each offer
    • Map market best practice in customer offering area and develop ideas for execution
    • Define target product portfolio and help in implementing it
    • Describe customer journeys – life-moments, touchpoints, analyze customer base insights and provide suggestions for offering improvements
    • Integrate customer profitability and life-time value measurement into offering development processes
    • Participate in defining pricing logic (including discount approach) and principles, facilitate discussions
    • Design necessary testing and advisory tools, support and training materials that help to launch new offerings
    • Assure all necessary ongoing support and competence development for sales organizations

    Skills and experience:

    • 3+ years of previous experience as a product owner, area responsible, business line manager, company owner or manager. Experience in management of complex projects is mandatory
    • Good knowledge and understanding of trends of digitalization era, disruptive technologies and solutions available in the market. Finance / banking / fintech experience will be considered as an advantage
    • Analytical and structured thinking, in addition to very good Excel skills and readiness to work with large datasets
    • Skill to manage complex systems and tasks while working with many stakeholders
    • Knowledge in developing customer value proposition, sales and service processes, customer journeys as well as ability to propose new complex approaches, offers etc.
    • Higher education, preferably in Economics, Business Administration, Finance, IT or related areas
    • Full professional proficiency in English as well as fluency in at least one local Baltic language

    Why Luminor? What we can offer you:

    • Dynamic and international working environment that is filled with interesting challenges and opportunities to innovate, as we build a bank together
    • Varied opportunities to support your professional and personal development and growth
    • A competitive benefits package in addition to your salary
    • An additional benefits package for employees after 1 year in the company, which includes additional days of vacation
    • A collaborative and supportive team where you can create and implement ideas
    • A salary range for this position at 2400-3500 EUR (Gross), which is to be determined depending on the level of experience and competencies of the selected candidate


    Application deadline is 12th of December

    In case of questions please feel free to contact (HR)

    Additional information

    • Remote status

      Flexible remote

    Or, know someone who would be a perfect fit? Let them know!

    Tallinn, Estonia

    Liivalaia 45
    10145 Tallinn Directions +372 628 3300

    Why Work With Us?

    Join us if you want to grow your competences and make the change!

    • Wellness & Benefits

      We aim to support, spoil and take care of our employees

    • Additional Days of Vacation

      We provide an additional benefits package for employees after 1 year in the company, which includes additional days of vacation

    • Personal Development

      We provide varied opportunities for your professional and personal development and growth. In average we spent 20 hours per year on development for an employee in Luminor

    • Health & Wellness

      We take care of your health – we got your health insurance covered

    • Flexible Working

      The flexible working time and place concept is now part of our culture

    • Learning Resources

      We grant all employees access to our Luminor Library - course collection ranging from Luminor made courses to training produced by world known experts and supported by certificates

    Workplace & Culture

    Make the Change stands for motivation, 'yes we can' attitude, motivation to get things done and take initiative. It strengthens and complements our value set – curiosity, focus and collaboration, whilst putting them in action. And most importantly – Make the Change is about our people who are here being brave and passionate about making an impact themselves.

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