Who we are:

Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people. Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

The Product Manager – Current Accounts will own tbi’s current account proposition in Romania, driving localization, regulatory compliance, and cross-country alignment. Working closely with Product Owners and cross-functional teams, the role leads changes from discovery to delivery, ensuring compliant integrations with authorities and payment schemes, rigorous documentation, and effective collaboration with stakeholders.

What You’ll do:

Key Responsibilities:

Product vision & roadmap

• Define and own the Romania current accounts strategy, roadmap, and backlog in line with the bank’s strategies.
• Translate customer, regulatory, and business needs into clear product requirements and measurable outcomes.

Regulatory ownership & compliance by design

• Ensure the product complies with applicable EU and national frameworks (e.g., PSD2/PSD3 evolution, Payment Accounts Directive, AML/CFT, KYC, sanctions, consumer protection, GDPR etc.).
• Partner with Compliance, Legal, Operations, Risk, to interpret new/updated regulations, run gap assessments, and embed requirements in product specs, customer guides, and T&Cs.
• Maintain an up-to-date regulatory risk register and drive remediation and approvals.

Integrations with authorities & payment schemes

• Lead product requirements for integrations with national authorities and payment/clearing infrastructures (e.g., instant payments schemes), civil identity/e-ID/e-signature frameworks, and reporting obligations.
• Partner up with Payments team to define and validate data models and controls needed for regulatory reporting and operational monitoring.

Documentation & governance

• Own end-to-end product documentation: T&Cs, tariffs/fee schedules, customer disclosures etc..
• Prepare materials for internal and external approvals/committees and support audits, risk reviews, and compliance assessments.

Delivery & cross-functional collaboration

• Partner with Product Owners for Lending, Daily Banking, and Cards to sequence dependencies (e.g., onboarding, KYC, payments, cards, overdrafts).
• Contribute to discovery, design, UAT, rollout, and post-launch monitoring together with Engineering, Operations, and Customer Care, owning the current-account perspective and regulatory fit/
• Coordinate cross-country product harmonization and localization decisions in collaboration with country stakeholders, document agreed deviations and rationale.

Customer experience, performance & risk

• Monitor the KPIs for current accounts: active accounts, payments adoption (e.g., instant), churn, cost-to-serve, incidents, NPS etc.
• Use data to identify friction points, prioritize fixes, and optimize pricing, fees, and features.

What you’ll need to succeed:

• +3 years in product management or business analysis within retail banking/payments; direct responsibility for current accounts or daily banking is a strong plus.
• Hands-on experience working with Compliance, Legal, Operations, Risk, and Technology on regulatory implementations.
• EU and RO regulatory landscape for current accounts and payments: PSD2/PSD3 (and open banking trends), Payment Accounts Directive (fees/switching), AML/KYC and sanctions, consumer protection, GDPR/data privacy.
• Strong analytical skills; confident with reports to validate hypotheses and monitor KPIs.
• Excellent stakeholder management, facilitation, and communication
• Ability to manage complex cross-country initiatives, prioritize and deliver to clear outcomes.
• Experience launching current account onboarding in mobile banking (remote KYC, eID/e-signature journeys) is an advantage
• Exposure to fee transparency, pricing governance, and tariff book management.
• Proven ability to manage multiple priorities, meet deadlines, and adapt in a fast-paced environment.
• Excellent communication and presentation skills, teamwork, stress-resistance, organizational skills, and initiative.
• Fluency in English, both written and spoken.

What we offer:

• Hybrid work flexibility, competitive compensation, and exposure to cross-market product leadership.
• Get recognition for your work and attitude.
• Become part of a large, friendly and supportive team.
• Get additional private health insurance.
• Stay Chill, Bite into Thrill: Our Fresh Fruits/Ice Cream Program.
• Relax and Recharge: Our Weekly Office Chair Massage.
• Unlock the joy of reading with Bookster – Access a library of inspiration.
• Benefit from 28 days of annual leave – More time for what you love ( 22 vacation days, 5 for exceptional sick leave (no medical note), and 1 for your birthday ).
• Exclusive partner discounts – Enjoy deals tailored just for you.
• A World of Friendly Faces: Join Our Passionate Multinational Team and Talk to 16+ Nationalities at tbi bank .
• Bring Your Furry Bestie: Let's Make Work Pawsome .

Visit our Career Page to learn more about what makes us different.

If this sounds like something you’d be interested in, we'd love to hear from you!

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

All applications are treated with utmost confidentiality.

By submitting your job application to tbi bank you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available on the tbi Career page.