Product Owner (Technological Development of the Collections Process)

EXPERIENCE 3-5 years in collections and credit risk management across retail/commercial lending portfolios in banking or financial services; Customer engagement through multiple channels (phone, email, SMS, digital) with delinquent accounts; Collections technology platforms and contact center systems (auto-dialers, predictive dialers, IVR, call routing); Product Owner role in software development projects, preferably in financial services; Agile/Scrum methodology including backlog management, sprint planning, and user story creation; Requirements translation from business needs to technical specifications; Stakeholder management across business, operations, and technology teams; Data analytics and reporting using BI tools (Tableau, Power BI, Dataiku), Excel, and SQL; Performance dashboards development for collections operations and strategy optimization. KNOWLEDGE Database design principles and data quality validation; Auto-dialer optimization (predictive, progressive, preview modes); Real-time monitoring, call analytics, and quality assurance dashboards; Workflow automation and process optimization; Consumer protection laws and fair debt collection practices; Agile/Scrum: user stories, backlog prioritization, roadmap development; Change management, P＆L impact understanding and technology adoption; Azerbaijani: Native/full professional proficiency: English: Full professional proficiency: Russian: Professional working proficiency (desirable).