Senior Credit Product Owner (M/F)

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

The Product Owner represents the customer and acts as the voice of stakeholders across Wealth Management, Corporate & Institutional Banking and Digital Banking. The role focuses on credit products and the full credit value chain from credit request, assessment, scoring, decisioning, documentation, and implementation to ongoing monitoring and lifecycle management. The Product Owner ensures that credit-related capabilities are delivered efficiently, aligned with business needs, regulatory expectations, and the bank's risk appetite.

Your next challenge:

• Collect from Business owners and Product Managers and communicate the Credit products vision and strategy to the development team, stakeholders, and other members of the organization. Translate the vision into capabilities or Features.
  
• Maintain a credit-focused product backlog reflecting business priorities, regulatory requirements, and operational efficiency. Lead PID analysis for credit initiatives, ensuring alignment with risk governance and feasibility constraints. Collaborate with customers, stakeholders, and the development team to define user stories and acceptance criteria.
• Ensure that user stories are clear, concise, and actionable.
  
• Ensure robust testing of credit features, including scoring logic, approval flows, limit frameworks, and data quality controls.Participate in sprint planning meetings to help the development team understand the prioritized items from the credit product backlog and provide clarifications when needed.
  
• Engage with stakeholders to gather feedback, understand their needs, and incorporate their input into the credit product backlog. Regularly communicate product updates and progress to stakeholders.
  
• Actively participate in various Agile ceremonies, such as sprint reviews, retrospectives, and daily stand-ups.
  
• Collaborate with the development team, Scrum Master, and other stakeholders to plan credit product releases. Define release goals, scope, and schedule, ensuring that customer value is delivered in a timely manner.
  
• Act as the second line of support by analysing the request, check if it is an incident or an evolution. Give feedback to end-users and monitor the incident until the resolution.
  
• Continuously monitor and evaluate the product's performance and gather feedback from customers and stakeholders.
• Innovate and tailor our credit products and services to meet the evolving demands and preferences of our clients, in line with the Bank's strategy and target service level.
  
• Implement and develop a risk scoring system for all products and services, enhancing the first line of defense.

Your skills:

• Master's degree in Banking, Finance or a related field, or an equivalent experience.
  
• At least 3 years of experience in the credit value chain roles.
  
• Fluency in French and English. Any other language is an asset.
  
• Ensure robust testing of credit features, including scoring logic, approval flows, limit frameworks, and data quality controls.
  
• Good understanding of Product Management, Delivery Management, Stakeholder Relationship Management, Business Situation Analysis, Feasibility Assessment, Customer Experience, Business Process Improvement, Functional Requirements Definition & Management, BIL Products & Services, Data Control & Analysis, Systems, and Backlog Management.
  
• Strong knowledge of Distribution Channels.
  
• Strategic-minded and opportunities-driven.
  
• Autonomous and responsible.
  
• Innovative thinking.
  
• Positive mindset, open to growing and learning.
  

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.