This is a unique opportunity to be a key player in driving the engine of our business – Credit Risk. As the foundation of our financial operations, we recognize how critical our risk management products are to the success of the business. We are expanding our central Credit Risk team, and you’ll work with a small but highly skilled team to turn our risk management vision into reality.

You will have end to end ownership for the full product life cycle from initiation to business case to testing then launch and beyond. You will work on a project basis, working hand in hand with our IT and business teams, Ensuring that the features of the upcoming products and initiatives are clearly defined, prioritised and then adapted and delivered by development delivery teams according to business goals.

This role will be based in Warsaw but with responsibility for projects across all Digital operations and markets.

Your daily tasks:

Develop and own the product roadmap, ensuring alignment with the Business Owner’s vision, mapping actions, requirements, and priorities, and coordinating with key stakeholders.
Drive continuous improvement of credit risk products, including processes, monitoring, and technical components, aligned with Credit Risk strategy.
Collaborate with business, tech, and risk teams, ensuring the product delivers ROI and meets customer needs.
Support and present product vision, maintain and prioritize the product backlog, and participate in Scrum activities to ensure alignment and delivery.
Break down epics/features into actionable user stories and ensure Sprint clarity and commitment.
Review and approve the product increments, ensure team alignment on Definition of Done/Ready, and manage dependencies between teams.
Oversee change management, balancing business needs and resource optimization.
Manage product risk and contribute to building the Centre of Excellence.
Continuously seek cost-saving opportunities and treat the business as your own.

So, what skills, knowledge and experience do you have?

Skills

Strong communication and stakeholder management skills, aligning teams and clients with the product vision.

Fluent in business English (written and spoken) for seamless collaboration.

Natural problem solver with a knack for creating products and processes.

Excellent at prioritizing, with the ability to influence others and sell ideas.

Agile project management skills and solid IT background.

Adaptable and innovative with the ability to thrive in ambiguity.

Engaging communicator who inspires and motivates.

Knowledge

Deep knowledge of Agile frameworks like Scrum or Kanban, driving efficient product development.

Technical understanding from working within a software development environment.

Experience

Background in fintech or financial services, especially in consumer finance, banking, or lending platforms (desirable).

Experience in Credit Risk management, with knowledge of managing credit portfolios and KPIs like default rates, LGD, and PD (nice to have).

International mindset, eager to work globally with the willingness to travel frequently.

Qualifications

Certified in Scrum or Agile (CSPO, AgilePM, PMP) or equivalent, showcasing expertise in Agile methodologies.

You...
will love working at IPF Digital if you enjoy a truly international work environment and being part of an international HUB team. You like to be trusted to take responsibility for your tasks; you value friendly and open work culture and appreciate good teamwork.

We look after...
our people by providing all-you-can-eat fresh fruit daily, lunches at the expense of the company, and company parking where you can book a parking place. We support an active and healthy lifestyles and have fun team events both in the office and after work. Our employees' well-being and happiness are one of our top priorities.

Here’s how our team describes our culture:
The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating together. Although recognition is highly valued, failure is accepted...as long as it’s fast. Enjoying some good times together is also highly encouraged!

Sounds good? We all think so at IPF Digital.

🔍 Whistleblowing

At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations.

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Polish Whistleblowing Procedure