Product Owner - Debt Management Team

The Debt Management Team at IPF Digital focuses on shaping customer payment plans, repayment journeys, and collections experience across multiple digital markets. The team develops 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. It supports collections and recovery processes to help customers manage repayments effectively while driving operational efficiency and supporting business performance.

• Proven experience as a Product Owner or Product Manager within an Agile software development team.
• Strong understanding of Scrum, Kanban, and Agile delivery practices.
• Technical understanding through collaboration with software development teams and digital product delivery.
• Ability to make decisions quickly, influence stakeholders, and manage competing priorities in fast-paced environments.

Nice to have:

• Experience with financial products, repayment processes, payment integrations, or customer lifecycle management in fintech, banking, or consumer finance.
• Professional certifications such as CSPO, AgilePM, PMP, or equivalent Agile qualifications.
• Knowledge of collections processes, order-to-cash operations, customer portfolio management, or KPIs like default rates and PD.

• Shape and drive the product roadmap for debt management and repayment solutions, translating strategic goals into priorities and actionable plans.
• Lead backlog management and sprint readiness by breaking down initiatives into clear user stories.
• Build partnerships across business, technology, finance, and risk teams to balance customer needs and operational efficiency.
• Identify opportunities to optimize repayment journeys, payment integrations, cashflow processes, and monitoring capabilities.
• Provide clarity, direction, and motivation to teams, fostering collaboration, accountability, and continuous learning.
• Manage dependencies, balance priorities, mitigate risks, and drive change across stakeholders and teams.
• Communicate confidently in Polish and English to facilitate collaboration across international teams.

IPF Digital has implemented mechanisms for whistleblowing to report concerns about risks, unethical behavior, or legal violations. The company is committed to ethical conduct and trust-based relationships with stakeholders, and supports reporting through a dedicated procedure.