Senior Product Manager - Product Localization

About the role

Who we are: Do you want to join a well-established bank with a start-up culture? No, we're not joking! We, at tbi , have been one the most profitable banks for years and we are growing at a fast pace. We're a bank with a long history of success that operates as a start-up and we're always on the lookout for new opportunities to grow our business. How do we do that? It's all about our people . Our team is made up of brave, passionate and caring people who don't just want to follow the same path - we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here - 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That's not corporate babble, it's what our people say. We are looking for a Senior Product Manager to join our Product Localization team within Product Lab. The team connects product vision with local execution, adapting financial products to local regulations, customer needs, market practices and technical realities. In this role, you will shape and coordinate the localization of financial products across their full lifecycle - from needs assessment and business case definition to launch, post-launch improvements and ongoing optimization. Your role As a Senior Product Manager, you will act as a key coordination point for the products in your scope. You will work closely with Product Owners and Tribes, Research & Design, Delivery teams, Legal, Compliance, Risk, Operations and other local and regional stakeholders. Your focus will be to ensure that products are compliant, relevant for the local market, scalable where possible and continuously improved after launch. What You'll do: Own the localization and ongoing development of the financial products in your scope, ensuring alignment with local regulations, customer needs, market trends and technical constraints. Assess and structure requests coming from Compliance, Risk, Audit, Legal, Operations, Business and other stakeholders, clarifying the problem, business impact and required timing. Translate local business and regulatory needs into clear product requirements, covering product features, setup, pricing logic, user flows, documentation and post-approval processes. Coordinate the analysis of new product initiatives and changes to existing products, including business cases, profitability considerations, customer impact and operational feasibility. Use product performance data, customer behavior, feedback and market insights to identify opportunities to improve, expand or optimize live products. Drive post-launch product improvements to keep products compliant, relevant, competitive and operationally efficient over time. Work closely with Product Owners and Tribes to align priorities and support the design, UAT and delivery of product changes, without replacing the ownership of the delivery teams. Partner with Legal and Compliance teams to ensure that product documentation, contractual materials and customer communication are accurate and up to date. Collaborate with Risk, Underwriting and Operations teams on product rules, approval logic, pricing strategies and process improvements. Monitor relevant KPIs and identify bottlenecks, quality issues or improvement opportunities across the product lifecycle. Coordinate go-to-market localization activities and support customer-facing teams with the information and training required for a smooth launch or product change. Contribute to cross-market alignment and help identify solutions that can be reused or scaled across markets where relevant. What you'll need to succeed: At least 5 years of relevant experience in product management, product governance or business product development within banking, fintech or financial services. Strong understanding of financial products and customer journeys; experience with lending products. Demonstrated ability to manage complex product changes involving multiple stakeholders, dependencies and workstreams. Experience translating business, regulatory and operational needs into clear product requirements and actionable priorities. Analytical skills, including experience with product performance monitoring, KPI analysis and business case development. Commercial mindset and a good understanding of pricing logic, profitability drivers and customer impact. Excellent stakeholder-management skills and the ability to communicate clearly with business, control functions and technical teams. A structured, pragmatic and ownership-driven approach, with the ability to balance strategic priorities and day-to-day product improvements. Fluency in Romanian and English. Nice to have Experience working in a multi-market or regional product structure. Hands-on experience with digital journeys, embedded finance or checkout lending products. Experience working with J

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