Product Owner

Small and medium businesses are the backbone of the German economy. Yet most of them manage their finances by hand, across disconnected systems, with tools built for large enterprises. We want to change that.

As part of the Genossenschaftliche Finanzgruppe Volksbanken Raiffeisenbanken, we reach a customer base across Germany that few startups can match. We are among the first to bring AI-driven financial products to this segment at real scale.

What we are missing is the person who turns strategy into a shipped product. Our product manager sets the direction. Features then need someone who breaks them down, refines them with the team, and carries them to release. That is the gap you fill.

Your mission

You turn our product strategy into a prioritized roadmap, sharp user stories, and shipped features. You work daily with the product manager, lead engineer, engineers, and designer. You own the path from idea to release.

What you'll do

From strategy to deliverables

• Translate business goals into a prioritized roadmap, epics, and actionable user stories
• Write clear user stories with well-defined acceptance criteria
• Prioritize the backlog and make trade-off decisions on scope versus timelines
• Bring solution proposals backed by industry research

Sprint execution

• Prepare and run sprint planning and deep refinement sessions
• Manage the Jira board and keep delivery visible for everyone
• Solve daily questions directly with the lead engineer, engineers, and designer

Quality

• Define test cases and validate features before release
• Run manual QA at first, then automate it step by step

Data and automation

• Pull your own data with SQL and build the dashboards you need
• Define and track product metrics: KPIs, funnels, retention
• Automate repetitive processes with AI and no-code tools where it creates value

What to expect

• A small team where each person takes full ownership and delivers autonomously
• Startup pace with the backing and reach of a major banking group
• Deliberate, growing use of AI, judged only by the value it creates for customers and for us
• New technologies arrive fast, and we expect everyone to pick them up quickly
• Structures are still forming, and you help build them, * You have internalized our strategy, product structure, and product history, and know where we want to take the product next
• You know the product end to end, you know the Jira and tooling setup, and you have shadowed a full sprint cycle
• You have working relationships with the product manager, lead engineer, designer, and engineers

After 90 days:

• You take larger strategy items, split them into deliverables, refine them, and plan sprints without support
• You write clear user stories with well-defined acceptance criteria, independently
• You own the sprint and the backlog and make the scope-versus-timeline calls
• You run manual QA and define test cases before every release

After 180 days:

• You own one or more product areas end to end, from strategy translation through delivery and release
• You track product metrics through dashboards you built, on data you pulled yourself
• You proactively bring solutions backed by industry research and user insight
• You have started automating repetitive work in QA, reporting, and workflows with AI and no-code tools

If you want to own product delivery rather than administer a backlog, we should talk.

• 2+ years as a Product Owner or in a similar product role in fintech
• Independent data work: SQL for your own queries, dashboards you build and maintain, product metrics you define and track

Nice-to-haves:

• Understanding of how AI products are built
• Experience with user research, A/B testing, and experimentation
• Understanding of APIs and how systems integrate
• German language skills
• Experience with automation and no-code tools such as Zapier or n8n

* Education budget: Up to €1,500 per year to further develop your expertise and skills. * Room to grow: Shape your role and your work in the way you feel best serves your personal development and the company's success. * Hybrid work environment: We have offices in Eschborn (near Frankfurt) and Berlin for collaboration and exchanging ideas; the rest of the time, you enjoy the flexibility of remote work. * An exciting mix of cultures: People of various nationalities come together to support small businesses. At the same time, you experience the dynamic energy of a startup combined with the stability of an established brand. * A chance to make a difference: Whether in the lives of small business owners or in shaping how we work, the benefits we implement, and the way we celebrate our successes., We are VR Smart Guide - and we are developing the first AI-powered financial assistant for small businesses in Germany. Our mission is to free up entrepreneurs and freelancers from the burdens of day-to-day business. With our digital solutions, we not only simplify complex processes but also proactively protect businesses from financial difficulties and uncertainties (in short: the "financial guru" for businesses). We combine the best of both worlds: We operate with the agility, dynamism, and flat hierarchies of a tech startup - and have the backing and security of Germany's largest and strongest banking group at our side. As a company, we are deeply committed to cooperative values. Our driving force is to provide small businesses with genuine support for self-sufficiency, so they can focus entirely on what they truly love: their business.