Cards Unit Manager (Retail Banking)

As a Cards Unit Manager, your mission is to lead and develop a high-performing Pan-Baltic team while shaping the vision, strategy, and performance of our cards products, services, and systems. You will drive customer-focused product development, operational excellence, regulatory compliance, and sustainable business growth across the Baltics.

• Define and own the vision, strategy, roadmap, priorities, and overall performance of the unit’s products, services, systems, and end-to-end business processes
• Own the Area’s budget, resource allocation, financial (cost side) performance, and delivery targets, ensuring the Area operates effectively and meets agreed objectives
• Ensure Data product ownership in accordance with the Data Management strategy including data availability for both regulatory and business reporting
• Drive product and service development based on customer needs, regulatory requirements, market trends, digital opportunities, and Luminor’s strategic objectives for innovation in product features, customer experience, and digital capabilities
• Ensure effective risk management, regulatory compliance, operational resilience, governance, documentation, data ownership, and readiness for internal and external audits
• Lead, coach, and develop the Cards Unit team across the Baltics, setting clear expectations, supporting individual growth, and fostering a positive, accountable, and high-performing team culture
• Build strong cross-functional and cross-border cooperation, represent the cards area in discussions with senior management, partners, regulators, financial associations, and governmental institutions

• 3+ years of previous managerial experience, with strong leadership, coaching, people development, and performance management skills
• Experience in product ownership, product development, process management, or a related area, preferably within banking or financial services
• Strong business judgment and the ability to manage budgets, resources, priorities, risks, and performance targets
• Excellent decision-making, planning, prioritization, stakeholder management, and cross-functional cooperation skills
• Advanced MS Office skills and professional working knowledge of JIRA and Confluence; SCRUM, Kanban, or Product Owner certification will be considered an advantage
• Higher education
• Fluent English is required in spoken and written communication due to working on the Pan-Baltic level

• 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)
• Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun
• 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
• Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
• We care about giving back to society, therefore, you will get additional days off for volunteering purposes
• Luminor offers 30 fully paid calendar days for military training every year
• 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
• Access to tools and resources that help you feel good and be productive at work and in life
• Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etc
• Enjoy special offers & pricing for products and services provided by Luminor