Product Owner

• Jan 2022 - Present

• Facilitating all scrum events and ceremonies including sprint planning, grooming, retrospective and daily stand-ups• Product backlog management• Decide on the product roadmap and execute it from idea, through implementation on IT systems to commercial launch• Creating a product roadmap with a description of overall vision for product development• Set up direction in order to maximize the value of the product• Product conceptualization, ensuring technical and other requirements are met, and team can efficiently implement new features• Creating user story mapping, plan for sprints and releases• Removing impediments/blockers and work with the Project manager when those impediments need escalation• Facilitating UX design process with a design team and client in order to build successful products• Communicate the status of work to clients and organize reviews in order to collect feedback from the client• Continuous prioritization and ordering of product backlog in order to ensure that high-priority work gets into production first for release • Providing support in collaboration with the client’s team(s) and translating client needs to feature with a high business value• Consistently involving all stakeholders in plans and decisions that affect them• Collaboration with the data team with the aim to improve SEO strategy following the latest trends and best practice• Using Kanban (projects on maintenance) and Scrum methodology for larger SW development processes

Head of Card Product Development Unit

• Feb 2019 - Jan 2022

• project management and development of card products and ATM services • ensuring continuous improvement of card products, ATM services and payment systems/digital platforms based on payment cards • ensuring full compliance of activities with established regulations, policies and mandates on the request of regulator/card institutions; monitoring and implementation of change request in system/processes/documentation • optimization of application and process solutions in support of payment card business processes • process related to personalization and distribution of cards; managing blank plastic stock for personalization of payment card; changes of chip data/cryptogram/IPKs in accordance to the card institutions mandates (Visa, Mastercard, NCPK etc.) • control of income and expenses, budgeting• cooperation with sales-oriented organizational parts of the bank in order to increase sales results; maintaining contacts with project/program partners and vendors• organization of training, professional support to employees and writing procedures in the card products/ATM service segment; • communication with card institutions in order to improve and develop products/services • market analysis in the field of card/ATM business; activities for increasing the customer experience

Retail Product Manager

• Sep 2018 - Feb 2019

• managing retail product portfolio (loans, accounts, cards, ebank/mbank) • writing change request and CDS for development of new products/services to the vendors and IT team, assessing the quality of the changes developed, confirming release for production • application of new product/service implementation for approval to NBS • qualitative and quantitative reports, cost-benefit analysis • monitoring and anticipation the needs and demands of the clients and suggesting directions for development and improvements

Expert Associate for card operations

• Sep 2014 - Sep 2018

• managing the complete cards personalization process, responsible for creation and implementation of new card poduct/chip profiles, migration from old to new card/chip profiles, EMV migration • relations with issuing/acquiring banks, NBS – Perso bureau, processing house, card vendors and organizations• handling of plastic, writing proposal for new orders, negotiation and preaparing reports • improvement of exsisting core solutions regarding cards ( settlement, migration of old credit card portfolio to new etc.) • development and lounching of new services for personal and legal payment cards• writing procedure and instructions for network staff • internal trainer for branch office staff in front of the payment card department• responsible for development and implementation of fraud management monitoring systemApril 2017 – team member for development and implementation of premium product - Platinum card June 2017 – team member for migration of Jubanka VISA/Mastercard/Dinacard card portfolio to an AIK Banka card portfolio and post migration processes2015 -2016.- incoming and outgoing file processing- monitoring of cards personalization process- resolving of fraud, chargebacks and disputes according to operating regulations of payment system - selection of candidates for cards re-issuing in application- communication with network staff and support regarding various issues- controlling of VISA/Mastercard/Dinacard settlement position, internal reporting

Expert Associate in Acceptance Network unit

• Oct 2007 - Jun 2014

• Responsable for operations of acceptance network (POS terminals and ATMs)• Negotiations, communication and technical support with providers and clients• Communication with proccesing house, back office work (invoicing and collection, refunds and claims) • Organization of training for network staff• Writing procedures and instructions for network staffParticipated in expansion of ATM network, testing and putting in place new hardware and software solutions, new services on ATMs (KBC banka- Pexim Cardinfo). Monitoring of ATMs, back office processing of transactions. Monitoring of all accounts for transactions on POS and ATM devices. October 2007 – Project manager for VSDC certification of ATM network with VISA CEMEA.Representative of KBC Banka in Bankers Association Committee for preventing frauds with cards and ATMs

Card specialist in Cards and Acceptance Network Directorate

• Sep 2005 - Oct 2007

- support to branches with claims, refunds, card status, card personalization, chargeback, monitoring of risky transactions- communication with processing house – receipt, check and processing of files Team member in project application for VISA CEMEA license for Visa card issuance. Work on implementation in the bank application (CMS) of all processes regarding issuance and work with Visa cards (testing and activation of all processes in CMS)

Expert in Financial Department

• Jul 2003 - Aug 2005

Key responibilities:• accounting• monitoring of buyers and vendors, collection• e-banking, preparing documentation for public tenders Key responibilities:• accounting• monitoring of buyers and vendors, collection• e-banking, preparing documentation for public tenders

Manager

• May 2002 - Jun 2003