Product Owner in Cash Management (Corporate Statements)

Join us and get a once-in-a-lifetime opportunity to literally build a local banking champion!

Join our team as a Product Owner!

Yes, you can! That's our attitude towards our work, ambitions, ideas, and relationships. We at Luminor believe that anyone has the potential to achieve big things and encourage everyone to achieve them, professionally and personally.

Whoever you are and whatever your role is, with Luminor, you will get a once-in-a-lifetime opportunity to build a local banking champion.

As a Product Owner, your mission is to lead an agile team and own the product and technology side of corporate statements, including bank-to-customer statements, digital statement services, SWIFT statement solutions, standards, integrations, and related data flows. You’ll shape reliable, compliant, digitally enabled, and user-friendly statement capabilities for corporate customers, translating customer, operational, regulatory, and technology needs into clear priorities and delivery requirements.

How You Will Make an Impact:

• Own corporate statement capabilities — Manage the end-to-end lifecycle of bank-to-customer and SWIFT statement services, including formats, delivery channels, history availability, data quality, automation, and technical resilience
• Define statement data and standards requirements — Clarify how transactions should appear in statements, assess SWIFT and ISO 20022 standard requirements, and coordinate required data with stakeholders
• Lead agile delivery — Own and prioritize the backlog, define requirements and acceptance criteria, and guide the team toward reliable, maintainable delivery
• Coordinate systems and integrations— Work across accounts, payments, channels, data platforms, operations, and IT to ensure correct source data, stable integrations, and consistent processing
• Monitor product and technology performance— Track availability, incidents, data quality, integration stability, processing errors, delivery performance, and technical risks
• Ensure compliance— Safeguard legal, regulatory, audit, retention, and customer agreement requirements across Baltic markets

• Relevant experience— Product Ownership, agile delivery, cash management, corporate banking, payments, accounts, reporting, or digital banking services
• Technology and cash management mindset — Strong interest in technology and understanding of how corporate customers use account statements for reconciliation, treasury, accounting, audit, and liquidity management
• Analytical and problem-solving skills — Capable of working with data quality topics, customer feedback, incidents, and process gaps to drive practical, value-adding improvements
• Stakeholder management— Ability to work with business, operations, compliance, data, and IT teams to manage dependencies and align delivery priorities
• Agile leadership — Comfortable setting direction, making prioritization decisions, and supporting reliable, compliant, and technically sustainable delivery
• Structured communication— Able to explain statement flows, system dependencies, and requirements clearly in writing and discussions
• Product and technology awareness — Good understanding of integrations, data flows, statement generation logic, file formats, statement standards, data retention, and relevant cash management channels; SWIFT or ISO 20022 knowledge is an advantage
• Fluent English is required in spoken and written communication due to working on Pan-Baltic level

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