Small and medium businesses are the backbone of the German economy. Yet most of them manage their finances by hand, across disconnected systems, with tools built for large enterprises. We want to change that.
As part of the cooperative banking group, we reach a customer base across Germany that few startups can match. We are among the first to bring AI-driven financial products to this segment at real scale.
What we are missing is the person who turns strategy into a shipped product. Our product manager sets the direction. Features then need someone who breaks them down, refines them with the team, and carries them to release. That is the gap you fill.
You turn our product strategy into a prioritized roadmap, sharp user stories, and shipped features. You work daily with the product manager, lead engineer, engineers, and designer. You own the path from idea to release.
From strategy to deliverables
Translate business goals into a prioritized roadmap, epics, and actionable user stories
Write clear user stories with well-defined acceptance criteria
Prioritize the backlog and make trade-off decisions on scope versus timelines
Bring solution proposals backed by industry research
Sprint execution
Prepare and run sprint planning and deep refinement sessions
Manage the Jira board and keep delivery visible for everyone
Solve daily questions directly with the lead engineer, engineers, and designer
Quality
Define test cases and validate features before release
Run manual QA at first, then automate it step by step
Data and automation
Pull your own data with SQL and build the dashboards you need
Define and track product metrics: KPIs, funnels, retention
Automate repetitive processes with AI and no-code tools where it creates value
A small team where each person takes full ownership and delivers autonomously
Startup pace with the backing and reach of a major banking group
Deliberate, growing use of AI, judged only by the value it creates for customers and for us
New technologies arrive fast, and we expect everyone to pick them up quickly
Structures are still forming, and you help build them
Must-haves:
2+ years as a Product Owner or in a similar product role in fintech
Independent data work: SQL for your own queries, dashboards you build and maintain, product metrics you define and track
German language skills (min C1)
Nice-to-haves:
Understanding of how AI products are built
Experience with user research, A/B testing, and experimentation
Understanding of APIs and how systems integrate
Experience with automation and no-code tools such as Zapier or n8n
After 30 days:
You have internalized our strategy, product structure, and product history, and know where we want to take the product next
You know the product end to end, you know the Jira and tooling setup, and you have shadowed a full sprint cycle
You have working relationships with the product manager, lead engineer, designer, and engineers
After 90 days:
You take larger strategy items, split them into deliverables, refine them, and plan sprints without support
You write clear user stories with well-defined acceptance criteria, independently
You own the sprint and the backlog and make the scope-versus-timeline calls
You run manual QA and define test cases before every release
After 180 days:
You own one or more product areas end to end, from strategy translation through delivery and release
You track product metrics through dashboards you built, on data you pulled yourself
You proactively bring solutions backed by industry research and user insight
You have started automating repetitive work in QA, reporting, and workflows with AI and no-code tools
If you want to own product delivery rather than administer a backlog, we should talk.

Wir ermöglichen Unternehmern, Selbständigen und Freiberuflern mit unserer Software ihrer wahren Leidenschaft stressfrei zu folgen, indem wir ihnen die administrative und bürokratische Arbeit abnehmen. Vom Schreiben von Rechnungen bis hin zu Steuererklärungen - mit unserer digitalen Lösung verändern wir die Arbeitsweise kleiner Unternehmen.
Impressum: https://www.vr-smart-guide.de/impressum/