Senior Product Owner (Client Onboarding)

Join our team as a Senior Product Owner!

We are looking for a Senior Product Owner for Client Onboarding to drive technical delivery of onboarding capabilities across digital and assisted channels. You will work under a Lead Product Owner / Product Management and partner with engineering, design, analytics, compliance, and operations to turn product intent into clear, buildable increments. This is a hands-on role focused on delivery ownership, integration-heavy execution, and production readiness.

Key responsibilities:

• Own delivery of onboarding and activation capabilities; keep the squad unblocked and shipping
• Lead backlog shaping with engineering/design: break epics into thin, testable slices with explicit dependencies
• Coordinate end-to-end behavior across identity/verification, risk controls, customer data/case handling, and account/card creation triggers
• Ensure production readiness: monitoring expectations, operational fallbacks, and incident learnings fed back into the backlog.
• Track delivery-relevant product metrics (e.g., NTB/NAC, onboarding time, incident rate) and drive improvements
  
  
  

What Makes You a Great Fit:

• Understanding of regulated onboarding flows: ID & verification → KYC decisioning (CDD/EDD) → agreements/consents → account opening → activation → card issuing trigger
• Familiarity with KYC/AML fundamentals and when/why onboarding requires manual handling (e.g., EDD, specific customer types)
• Comfort working in multi-market context (EE/LV/LT) and across multiple customer segments (incl. non-residents)
• Experience as a PO (or similar) in Agile delivery: refinement, planning, review; keeping scope tight and increments releasable
• Solid technical acumen: ability to discuss APIs, data mapping, async processing/event flows, error handling, and NFRs (security/performance/observability)
• Ability to write precise stories/specs: edge cases, validations, failure modes, acceptance criteria
• Strong accountability: proactively manages risks, dependencies, and decisions; drives issues to closure
• Fluent English is required in spoken and written communication due to working on the Pan-Baltic level
  
  
  

Why You Will Love Working Here:

• 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 everyday life. 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
• Gross salary. 3,200 - 5,900 EUR/month, which is to be determined depending on your level of experience and competencies
  
  
  

The application deadline is the 31st of March. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!

Luminor is the leading independent bank in the Baltics and the third-largest provider of financial services in our region. We serve the financial needs of individuals, families, and companies. Just like our home markets of Estonia, Latvia, and Lithuania we are young, dynamic, and forward looking.

Luminor has a strong and capable team that is committed to achieving our strategic objectives. We are dedicated to supporting sustainable growth in the Baltic region by providing a long-term commitment to businesses and individuals.