Product Owner - Cash Management (Small and medium enterprises)

Luxoft; Bengaluru; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Luxoft is seeking a skilled Product Owner to lead the product vision and manage SME (Small and Medium Enterprises) Cash Management products across web and mobile banking. The candidate will be responsible for driving impactful features and ensuring the quality and speed of delivery.

The ideal applicant should possess a deep understanding of the client journey and agile principles, with over 12 years of total experience and a focus on customer satisfaction.

Qualifications

• 12+ years of experience, 8+ as a Business Analyst/Product Owner/Project Manager.
• Experience in banking product delivery using agile frameworks.
• Understanding of SME cash, lending, or trade products.

Responsibilities

• Own SME Cash Management products across web & mobile banking.
• Drive payments & collections solutions.
• Improve mobile banking experience & adoption.

Skills

Product Ownership

Agile methodologies

Customer-centric mindset

Data analytics

Understanding of SME cash

Job description

The Product Owner (PO) is a sole person (not a committee), who is responsible for owning the end-to-end customer journeys and product vision & lifecycle. They have a delegated authority and empowerment to prioritize the product backlog to maximize the value of our products or services for both our customers and our business. Their core ethos is to make informed decisions to ensure each investment decision results in the maximum outcome (as measured by OKRs) balancing both short‑medium‑ and long‑term horizons.

Responsibilities

• Own SME (Small and medium enterprises) Cash Management products across web & mobile banking
• Drive payments & collections solutions
• Improve mobile banking experience & adoption
• Lead the squad to deliver relevant and impactful features balancing quality and speed.
• Have awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Proactively and courageously identify, analyse, and steer solutions on organizational impediments and constraints to productivity, quality, early risk mitigation, and continuous delivery of value.
• Display exemplary conduct and live by the Group’s Values and Code of Conduct

Mandatory Skills Description

• 12+ years of total working experience with 8+ years of experience as a Business Analyst /Product Owner /Project Manager
• Previous experience as a Product Owner or similar role in banking product delivery using agile framework
• Have a good understanding of SME cash, lending or trade products and its relevant client journeys.
• Experienced with mobile and web banking platforms, especially SME-specific flows
• Deep understanding of SME (Small and medium enterprises) client profiles, segmentation, and banking needs across the client lifecycle
• Experience in designing user journeys for SME interactions (examples: onboarding and activation, payment & transfer)
• Experienced in client engagement, creating insights and data analytics
• Understanding of omnichannel strategies and how SMEs interact across devices
• Familiarity with self-serve capabilities (e.g. eStatements, account management and support work-flows)
• Customer-centric mindset with a passing for delivery high-quality products that meet or exceed customer expectations and drive business value
• Strong understanding of Agile principles and methodologies, including Scrum, Kanban, or Lean, and experience working in agile development teams

Nice-to-Have Skills Description

• Any experience with Fintech is plus
• Corporate or wholesale banking knowledge is a plus.
• Experience and Knowledge in Trade products is a plus.