Product Owner / Commercial Strategy Lead (Consumer Loans) | DelfinGroup

Talenteek’s client – Delfin. Group is a Baltic fintech company, part of INDEXO, offering accessible, straightforward, and customer-oriented financial and circular economy services. The company creates added value by integrating financial and circular retail services, making them easily accessible both in person and online.

Delfin. Group is rapidly growing in Lithuania and is seeking a Product Owner / Commercial Strategy Lead to join the Vilnius leadership team. While the company is part of a large, stable Nasdaq-listed group, the Lithuania office operates like a fast-moving fintech startup. This is a hands-on role with direct access to country leadership and the ability to influence how the consumer loan product is priced, sold and developed in Lithuania.

In this role, you will bridge the commercial strategy and technical product execution—acting as the key link between market opportunities, customer needs, and IT implementation. You won’t just monitor metrics or pass on requests; you will own the bridge between commercial opportunities and the actual digital loan product.

This includes shaping loan product strategy, defining how digital loan solutions should work, and translating business needs into clear product requirements, user flows and functional specifications, working closely with IT throughout development and implementation.

KEY RESPONSIBILITIES

Commercial Strategy & Positioning: Shape the local loan product strategy—identifying growth opportunities and setting pricing, product packaging, and promotional mechanics. Market & Competitor Intelligence : Own competitor and market intelligence in Lithuania, including competitor pricing, product features, campaigns, customer journeys and commercial mechanics, and translate findings into actionable recommendations.

End-to-End Product Ownership: Drive initiatives from identifying the opportunity and defining the solution through prioritization, development, launch and measurement of results. Business-IT Bridge: Translate commercial and customer needs into clear product requirements, user flows, and functional specifications for IT, working closely with IT throughout development and implementation.

Funnel & Journey Optimization: Continuously identify and implement improvements across digital acquisition, application and loan customer journeys to reduce friction and improve conversion. Cross-functional Leadership: Work closely with the Country Manager and HQ leadership (Risk, Marketing, IT) teams to align commercial priorities, customer needs, risk considerations and technical possibilities.

Data-Driven Decision Making: Analyze funnel metrics, customer behavior, portfolio performance and market data to identify opportunities and make concrete recommendations with measurable business impact. WHAT COMPANY IS LOOKING FOR: Consumer Lending/ Fintech Experience: Proven experience in product, commercial strategy, business development or a similar role within consumer lending or fintech.

Direct experience in the Lithuanian consumer lending market (ideally payday, installment lending, BNPL or digital lending) is strongly preferred. Commercial + Product Mindset: Strong understanding of consumer credit products, pricing, acquisition funnels, customer journeys and commercial mechanics. Business–IT Bridging: Demonstrated ability to translate business opportunities and customer needs into clear product requirements and work effectively with IT/Engineering to deliver solutions.

Ownership & Execution: A track record of taking initiatives from idea and business case through implementation and measurement of results. Analytical Capability: Ability to turn market, customer, funnel and portfolio data into clear recommendations and actions. Cross-functional Collaboration : Confidence working across Commercial, Sales, Marketing, Risk and IT/Engineering, including situations where priorities or perspectives differ.

Languages: Fluency in Lithuanian and English. COMPANY BENEFITS: Strategic Influence: A broad role with direct exposure to country leadership and real influence on pricing and product decisions. International Exposure: Collaboration with HQ and a transparent, performance-driven culture. Flexible Work: Hybrid working model (Vilnius office + remote flexibility).

Health & Perks: Private health insurance (after probation) and paid parking next to the office. Culture: A supportive environment that encourages challenging assumptions with data. SALARY RANGE: 4.000-6.000 EUR gross per month. The final agreed salary will depend on your experience and competencies. OFFICE LOCATION: Verkių g.

29, Vilnius, Lithuania