Product Owner, Credit Line

ESTO Group

. Own the credit line strategy and roadmap, prioritizing customer growth, usage, revenue, and healthy repayments .

Posted 10/27/2026full-timeTallinn • EstoniaJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit line strategy and customer experience management, leveraging AI tools for product development and analysis. Proficient in collaborating with cross-functional teams to optimize credit products and enhance customer journeys.

Highest-signal resume keywords

Product ManagementAI Tools ExperienceCredit Product KnowledgeData AnalysisConsumer Lending Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Product ManagementGrowth AnalysisBusiness AnalysisCredit Product Revenue UnderstandingBasic SQL

Soft Skills

Self-DirectedFast-Paced ExecutionClear Communication

Tools & Technologies

AI ToolsNo-Code PlatformsLow-Code PlatformsAnalytics ToolsAPIs

Industry Keywords

FintechLendingE-CommerceConsumer LendingBaltic Markets

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Own the credit line strategy and roadmap, prioritizing customer growth, usage, revenue, and healthy repayments
Own the customer experience for applying for credit, withdrawing money, increasing limits, and managing accounts in the self-service app
Shape credit limits and pricing with Credit, Finance, and Legal teams across each country
Prototype new flows, automate analysis and reporting, and ship smaller changes using AI tools; translate larger needs into engineer requirements
Track customer journeys through the product, run experiments, and act on results
Serve as the credit line expert for Marketing, Customer Success, Collections, Billing, and Legal
Report to the lead of the consumer products team

Requirements

What you’ll need

2+ years in product management, growth or business analysis roles, preferably in fintech, lending or e-commerce
Hands-on experience with AI tools, including LLM assistants, coding agents, and no-code/low-code platforms; able to show things built and shipped
Understanding of how interest, fees, credit limits and late payments affect the revenue of a credit product
Comfortable with digital products, APIs and data; basic SQL is a plus
Comfortable with funnels, conversion analysis and analytics tools
Clear written specs and updates in English
Able to work with lawyers, credit analysts and engineers
Self-directed, moves fast and finishes things
Experience in consumer lending or credit cards is a nice to have
Knowledge of the Baltic markets is a nice to have
Proficiency in Estonian, Latvian, Lithuanian, or Russian is a nice to have

Benefits

Comp & perks

28 days annual leave + public holidays + your birthday off, always
Hybrid work with flexible hours
Paid sick leave + 3 wellbeing days
Modern, pet-friendly office in the heart of Tallinn
Fully stocked kitchen: snacks, fruit & drinks
Monthly Stebby allowance for sports & wellness
Collaborative, multicultural team
Regular events & offsites
Room to bring ideas and make real impact