Job Description

What we do?

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s pan-European innovation hub.

We are creating ultra-fast and transparent banking with an “all-in-one” application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

What you will be doing?

As a Product Owner Corporate Lending, you will take full ownership of the Corporate Lending & Trade Finance product suite, including P&L responsibility, digital transformation, regulatory compliance and cross-border product expansion.
You will work at the intersection of business strategy, technology delivery and regulatory governance, shaping the future of corporate credit solutions across multiple geographies within the Group.
This role requires deep expertise in corporate banking, credit products and agile product development, combined with a strong analytical mindset and the ability to scale complex lending solutions in a modern, multi-country architecture.

Your responsibilities:

• Business Strategy, P&L Management & Financial Performance
• Full P&L ownership for Corporate/CIB Lending and Trade Finance products.
• Managing and scaling a revenue stream of 40M+ PLN, including margin optimisation and pricing strategy.
• Defining product vision, setting multi-year strategic objectives and preparing budgets & forecasts.
• Conducting financial modelling to assess the impact of product changes (re-pricing, new features, regulatory adjustments).
• Identifying and evaluating new growth opportunities in Corporate Lending, Trade Finance and Cross-Border solutions.
• Monitoring profitability, customer adoption, risk-adjusted return and overall performance of the lending portfolio.

Technology Ownership & Agile Delivery

• Driving end-to-end product lifecycle, from concept and requirements, through build, to production launch.
• Translating business needs into product requirements, epics, user stories and acceptance criteria.
• Managing and prioritising sprint backlog, ensuring timely and high-quality delivery.
• Using Smart Contract Core Banking System and low-code automation to design complex lending logic, workflows and contractual conditions.
• Working closely with cross-functional teams (IT, Data, Risk, Legal, Operations) and Group stakeholders to ensure consistent delivery across markets.
• Ensuring product scalability within multi-country architecture and alignment with strategic technology standards.

Compliance, Risk Management & Regulatory Data

• Ensuring full compliance with EBA regulatory framework, including all lending-related supervisory expectations.
• Defining requirements for COREP, DPM (Data Point Model) and associated regulatory reporting obligations.
• Managing regulatory and operational risk, including AML, TF, sanctions/embargo controls and credit policy alignment.
• Ensuring transparency of lending conditions, customer documentation, data quality and data protection.
• Acting as the product’s primary owner in cooperation with Compliance and Risk teams.

Strategic Development, ESG & Innovation

• Embedding Sustainable Finance principles and ESG in product design, pricing and risk models.
• Supporting development of cross-border CIB products, leveraging multi-country architecture to harmonise lending processes and scale capabilities across Europe.
• Identifying innovative digital lending opportunities and leading initiatives that modernise the corporate credit experience.
• Driving strategic alignment across Group units to deliver unified CIB propositions on international markets.

Skills you should have

• 5+ years in fintech or digital banking, blending financial, commercial and technical expertise
• SME and Corporate Bankingsegment know how and experience
• Analytical skills for market dynamics and quick learning ability for evolving regulations
• Strategic planning skills, aligning decisions with long-term organisational goals
• Demonstrated experience in managing product backlogs and prioritising user stories
• Familiarity with JIRA for managing product backlogs
• Knowledge of the product domain and industry trends, including relevant technologies and customer needs
• Strong communication, networking, and information-gathering skills
• Stakeholder engagement, team spirit, and assertive diplomacy for effective collaboration
• High integrity, adaptability, and proactive mindset in handling multiple responsibilities
• Ability to efficiently communicate in both: Polish and English languages (role with international exposure)

What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
Opportunity to shape and scale corporate lending products across multiple markets.
Exposure to international CIB operations and Group-level stakeholders.
High-impact role with end-to-end ownership and strategic influence.
Work in a modern, technology-driven environment using smart-contract and low-code tools.
Competitive compensation aligned with ownership responsibilities.
Full support for continuous development, certifications and international learning
Unless limited by banking regulations we offer a flexible form of contract
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package
We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support.
Bank account without fee.
We co-sponsor your Multisport card and cover 50% of its cost.
You will work on computer equipment that delivers the best user experience — Apple MacBook
Our office in Warsaw offers healthy snacks throughout the day.

Our process

We keep our recruiting process simple.
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment

Our note to you

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!