Product Owner - Debt Management Team

IPF Digital; Warszawa; Hybrid; PLN 140,000 - 210,000; Full time

Benefits offered by this job

Mental health platform

Team lunches

Hybrid work model

Modern office in Warsaw

Job summary

IPF Digital in Warsaw seeks an experienced Product Owner/Manager to lead debt management and repayment solutions. You will shape the roadmap, own the backlog, and partner with business, technology, and risk teams to deliver measurable improvements across markets.

The role requires strong Scrum/Agile practices, technical collaboration with development teams, and the ability to balance customer needs with operational and commercial impact in a fast-paced, international environment.

Qualifications

• Proven experience as a Product Owner or Product Manager within an Agile software development team.
• Strong understanding of Scrum, Kanban, and Agile delivery practices, translating business needs into outcomes.
• Technical understanding gained through close collaboration with software teams and digital product delivery.
• Comfort working in fast-paced environments, influencing stakeholders and managing competing priorities.

Responsibilities

• Shape and drive the product roadmap for debt management and repayment solutions.
• Lead backlog management and sprint readiness with clear user stories and priorities.
• Build partnerships across business, technology, finance, and risk teams for balanced decisions.
• Identify opportunities to optimise repayment journeys, payment integrations, and monitoring.

Skills

Product Owner

Product Manager

Scrum

Kanban

Agile delivery

Stakeholder management

Leadership

Communication

Job description

The Debt Management Team is responsible for shaping customer payment plans, repayment journey and collections experience across all our digital markets. The team develops and continuously improves solutions related to repayments, payment plans, invoice calculations, payment allocation, and customer-friendly repayment methods such as Direct Debits, Recurrent Payments, and Pay-by-Links.

Alongside repayment journeys, the team supports collections and recovery processes, helping customers manage repayments effectively while driving operational efficiency and supporting healthy business performance. By combining customer-focused thinking with process optimisation and technology, the team plays an important role in improving both customer outcomes and business results.

We work in a cross-functional Agile setup, partnering closely with business, operations and technology teams to continuously improve the customer experience and deliver impactful solutions across multiple markets.

Here’s how you’ll put your skills into action:

• Product Ownership & Vision: Shape and drive the product roadmap for debt management and repayment solutions, translating strategic goals into clear priorities, actionable plans, and measurable business outcomes.
• Agile Delivery & Prioritisation: Lead backlog management and sprint readiness by breaking down complex initiatives into well-defined user stories, helping teams stay focused, aligned, and confident in delivery commitments.
• Stakeholder Engagement: Build strong partnerships across business, technology, finance, and risk teams, ensuring product decisions balance customer needs, operational efficiency, and commercial impact.
• Continuous Improvement: Identify opportunities to optimise repayment journeys, payment integrations, cashflow processes, and monitoring capabilities to improve customer experience and operational performance.
• Leadership & Team Enablement: Create an environment where teams can do their best work by providing clarity, direction, and motivation, while fostering collaboration, accountability, and continuous learning.
• Change & Risk Management: Support sustainable product evolution by managing dependencies, balancing priorities, mitigating risks, and driving effective change across multiple stakeholders and teams.
• Communication and language skills: Communicate confidently and clearly in both Polish and English, adapting your language and style to suit diverse audiences. You’ll facilitate collaboration across international teams, ensuring shared understanding and smooth delivery across markets.

We also know that experience counts – and we believe that the following can support your success:

• Proven experience as a Product Owner or Product Manager within an Agile software development team.
• Strong understanding of Scrum, Kanban, and Agile delivery practices, with the ability to translate business needs into valuable product outcomes.
• Technical understanding gained through close collaboration with software development teams and digital product delivery.
• Confidence working in fast-paced environments, making decisions quickly, influencing stakeholders, and managing competing priorities effectively.

Nice-to-have skills and experience:

• Experience working with financial products, repayment processes, payment integrations, or customer lifecycle management within fintech, banking, or consumer finance environments will be highly valued.
• Professional certifications such as CSPO, AgilePM, PMP, or equivalent Agile qualifications are considered an advantage.
• Knowledge of collections processes, order-to-cash operations, customer portfolio management, or related KPIs such as default rates and PD would be a plus.

Our hiring approach

In the next steps, we'll focus on getting to know you better through conversations around your way of thinking and problem-solving approach, followed by culture fit and soft skills discussions, to ensure we're a great match for each other.

What can we offer you?

• Real opportunities for growth - enjoy access to a variety of internal learning and external development initiatives.
• A fully free mental health platform with access to certified professionals: psychologists (including child psychologists), dietitians, business coaches, and physiotherapists.
• Relaxed team integrations - kayaking, cycling, workshops, team outings… we enjoy spending time together, and we make it happen regularly.
• Move your body, clear your mind - you can use Multisport card or use private health care coverage.
• A truly international environment - we collaborate with teams from Mexico to Australia. Sounds exciting? That's just our everyday reality.

From office life

• Company parking where you can book a parking place.
• Weekly team lunches - enjoy vouchers to nearby restaurants (yes, sushi included!).
• Brand new office in a prime location - Gdański Business Center in Warsaw, just 5 minutes from Dworzec Gdański metro station. Inside: 3 types of coffee, ping pong, and a chillout room. Tempted?
• Flexibility is not a buzzword - hybrid work model (2 days a week in the office) and flexible hours apply to employment contracts, while B2C cooperation involves occasional office visits.

Here’s how our team describes our culture

The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating together. Enjoying some good times together is also highly encouraged!

Sounds good? We all think so at IPF Digital.

Whistleblowing

At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations.

Want to report concerning behavior?