Join our team as a Product Owner!

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.

As a Product Owner, your mission is to take full responsibility for the corporate client lifecycle — from acquisition and onboarding to servicing and offboarding — while shaping a seamless, high‑value experience that drives long‑term business growth. You’ll act as the strategic voice of our clients, championing their needs, identifying new opportunities, and turning insights into products and processes that elevate how we serve them.

How You Will Make an Impact:

• Own the end‑to‑end client journey — Manage the full lifecycle of corporate clients, from acquisition to offboarding, and continuously improve the experience using client and employee insights

• Boost new client acquisition — Remove barriers in the acquisition journey, refine first‑contact experiences, and collaborate with sales and product teams to increase conversion from prospect to active client

• Design and optimize processes — Ensure onboarding, servicing, and offboarding processes are clear, fast, and consistent for both clients and internal teams

• Ensure high‑quality client data — Define and uphold data standards across systems to support smooth onboarding, servicing, regulatory needs, and migrations

• Drive digitalization and automation — Identify and implement opportunities to automate manual steps and increase straight‑through processing across the lifecycle

• Prioritize development initiatives — Maintain and prioritize a value‑driven backlog focused on client impact and business outcomes

• Define clear requirements — Translate business needs into actionable requirements and ensure delivered solutions meet intended goals

• Coordinate across products and systems — Work across product areas to ensure a seamless, integrated client journey beyond individual product boundaries

• Collaborate with stakeholders — Align with Corporate, Retail, Risk, Compliance, Operations, and IT to manage dependencies and ensure a unified client experience

• Monitor performance and KPIs — Track key metrics such as onboarding time, satisfaction, and drop‑off rates to guide improvements

• Ensure regulatory compliance — Safeguard that all lifecycle processes meet legal and regulatory standards (e.g., KYC, AML)

• Deliver with ownership — Plan and execute tasks to quality and budget, contribute to team development, and support transformation initiatives.

What Makes You a Great Fit:

• Relevant experience — Proven experience in Product Ownership, preferably within banking or fintech environments

• End‑to‑end process mindset — Ability to understand and manage the full corporate client lifecycle across functions, ensuring consistency and efficiency

• Strong stakeholder management — Skilled at collaborating with diverse teams (sales, risk, compliance, IT) and aligning different interests toward shared goals

• Analytical and problem‑solving skills — Capable of identifying root causes, using data to support decisions, and driving practical, value‑adding improvements

• Clear and structured communication — Able to explain complex processes in a simple, logical way, both in writing and in discussions

• Regulatory awareness — Solid understanding of KYC, AML, and other regulatory requirements relevant to corporate clients

• Fluent English is required in spoken and written communication due to working on the Pan-Baltic level

Why You Will Love Working Here:

• 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

• Gross salary from 3,100 EUR/month. We tailor the final salary offer based on your skills, experience, and the impact you can bring.

The application deadline is the April 19th. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!