We are looking for an experienced Product Owner / Business Analyst with at least 5 years of professional experience to join a major Core Banking transformation programme within the financial services sector.

The role combines Product Ownership, Business Analysis, mortgage domain knowledge and data analysis, working closely with business stakeholders, architects, engineering teams, data specialists and third-party technology providers.

The successful candidate will be responsible for defining, prioritising and delivering capabilities supporting mortgage products and servicing processes, translating complex business needs into clear requirements and actionable development backlogs.

Strong knowledge of mortgages and Core Banking platforms is essential. Experience with Thought Machine Vault or another modern cloud-native Core Banking platform would be highly desirable.

The position is primarily remote, with occasional travel to the United Kingdom, and is initially expected to last approximately 6 months.

A B2/C1 level of English is required.

Engagement Model

We are primarily considering professionals working on a freelance basis.

• Initial project duration: approximately 6 months.
• Remote working.
• Occasional travel to the UK may be required.
• We are also open to considering an indefinite employment contract depending on the candidate's profile and preferences.

Main Responsibilities

Product Ownership & Backlog Management

• Own and maintain the product backlog for one or more Core Banking workstreams.
• Translate programme objectives and business priorities into a clear product roadmap and delivery backlog.
• Define and prioritise epics, features and user stories.
• Prioritise requirements based on business value, customer impact, regulatory requirements, technical dependencies and delivery risk.
• Work with stakeholders to agree priorities and resolve competing requirements.
• Ensure engineering teams have a well-defined and appropriately prioritised pipeline of work.
• Support sprint planning, backlog refinement, release planning and wider programme-planning activities.
• Monitor delivery progress and adjust priorities where required.
• Make prioritisation decisions based on evidence, risk and business value.

Business Analysis & Requirements Definition

• Engage with business stakeholders and subject-matter experts to understand mortgage products, operational processes and business needs.
• Analyse existing processes, systems, customer journeys and data flows.
• Identify gaps, inefficiencies and opportunities for improvement.
• Define clear functional and non-functional requirements.
• Produce detailed epics, user stories, acceptance criteria, process flows and business rules.
• Ensure requirements are detailed, testable and clearly understood by engineering, QA and business teams.
• Facilitate workshops, requirements-gathering sessions and solution-design discussions.
• Maintain requirements traceability from the original business need through development, testing and implementation.
• Resolve requirements-related questions throughout the delivery lifecycle.
• Challenge assumptions constructively and help resolve ambiguity.

Mortgage & Core Banking Domain

• Apply strong knowledge of mortgage products and mortgage-servicing processes to Core Banking solutions.
• Work across areas such as:
  • Mortgage account creation
  • Interest calculation
  • Payments
  • Fees
  • Account balances
  • Statements
  • Arrears
  • Redemption
  • Account servicing
  • Financial reporting
• Understand how mortgage products, transactions and servicing events are represented within a Core Banking platform.
• Support the definition of mortgage-product configuration and account behaviours.
• Define transaction-processing requirements and business rules.
• Collaborate with solution architects, engineers and platform specialists to ensure solutions meet business and operational requirements.

Data Analysis

• Analyse account, transaction and operational data to validate requirements and investigate issues.
• Use data to support product and business decisions.
• Define data requirements, mappings, validation rules and reconciliation criteria.
• Understand end-to-end data flows between source systems, Core Banking platforms, data warehouses and reporting platforms.
• Identify patterns, exceptions, migration issues and potential operational risks.
• Support data-quality activities.
• Support migration reconciliation and financial-control processes.
• Define reporting and management-information requirements.
• Present complex data findings clearly to both technical and non-technical stakeholders.

Stakeholder & Delivery Collaboration

• Act as a key link between business stakeholders and development teams.
• Work closely with:
  • Developers
  • Solution architects
  • Testers and QA teams
  • Product Owners
  • Programme Managers
  • Data teams
  • Operational teams
  • Third-party technology providers
• Communicate scope, priorities, decisions, dependencies and risks clearly.
• Support testing by reviewing scenarios and clarifying expected system behaviour.
• Validate that delivered solutions meet agreed business requirements.
• Support business readiness and implementation planning.
• Assist with operational handover and post-release support.
• Build strong relationships across business, technology and data teams.

Required Skills & Experience

Professional Experience

• Minimum 5 years of professional experience in roles such as:
  • Product Owner
  • Product Manager
  • Senior Business Analyst
  • Product Owner / Business Analyst
• Significant experience working within banking or financial services.
• Strong knowledge of mortgage products.
• Strong understanding of mortgage servicing processes.
• Experience working on Core Banking implementation, transformation or migration programmes.
• Proven experience managing and prioritising software-development backlogs.
• Experience working closely with Agile software-development teams.

Product & Business Analysis

• Product Ownership.
• Product Management.
• Business Analysis.
• Backlog Management.
• Product Roadmaps.
• Requirements Engineering.
• Epics and Features.
• User Stories.
• Acceptance Criteria.
• Business Rules.
• Process Modelling.
• Customer Journeys.
• Requirements Traceability.
• Agile delivery.
• Sprint Planning.
• Backlog Refinement.
• Release Planning.

Banking & Mortgage Domain

• Core Banking.
• Mortgage Products.
• Mortgage Servicing.
• Mortgage Account Management.
• Interest Calculation.
• Payments and Fees.
• Account Balances.
• Statements.
• Arrears.
• Mortgage Redemption.
• Account Servicing.
• Transaction Processing.
• Financial Reporting.

Data Skills

• Strong analytical and data-analysis capabilities.
• Ability to analyse account and transactional data.
• Data Mapping.
• Data Validation.
• Data Reconciliation.
• Data Quality.
• Migration Reconciliation.
• Reporting Requirements.
• Ability to identify trends, anomalies and operational risks from data.

Professional Skills

• Strong analytical and problem-solving skills.
• Ability to translate complex business needs into clear and actionable technical requirements.
• Strong stakeholder-management skills.
• Ability to balance competing business and technical priorities.
• Excellent written and verbal communication skills.
• Confidence facilitating workshops and decision-making discussions.
• Ability to communicate with senior stakeholders and technical delivery teams.
• Structured and highly organised approach.
• Strong attention to detail.
• Ability to work effectively across business, technology and data teams.
• Commercial awareness and focus on measurable business value.
• Ability to work effectively in complex programmes involving multiple systems, teams and dependencies.
• Proactive, pragmatic and delivery-focused approach.
• Ability to work autonomously.
• Creative and solution-oriented mindset.
• Ability to adapt to different types of tasks and responsibilities within the team.

Languages

• English B2/C1 or higher.
• Ability to participate effectively in meetings, workshops and discussions with international teams.

Optional / Highly Desirable Skills

The following experience would be considered particularly valuable:

• Thought Machine Vault.
• Other modern cloud-native Core Banking platforms.
• Experience configuring mortgage products within a banking platform.
• Mortgage migration or account migration projects.
• Financial-data migration.
• Banking ledgers.
• Accounting events.
• Financial reconciliation.
• Regulatory reporting.
• Financial reporting platforms.
• Data warehouses.
• APIs.
• System integrations.
• Event-driven architectures.
• Experience working within a regulated UK banking environment.

Tools

Experience with some of the following tools would be valuable:

• Jira
• Confluence
• SQL
• Microsoft Excel
• Power BI
• Similar data-analysis, requirements-management or Agile-delivery tools

Indicative Deliverables

The successful candidate may be responsible for producing and maintaining:

• Product roadmap.
• Prioritised product backlog.
• Epics and features.
• User stories.
• Acceptance criteria.
• Business requirements.
• Functional requirements.
• Process maps.
• Customer journeys.
• Business rules.
• Mortgage-product configuration requirements.
• Data mappings.
• Data-reconciliation rules.
• Reporting requirements.
• Requirements traceability.
• Decision logs.
• Test scenarios.
• Business acceptance criteria.
• Stakeholder presentations.
• Programme and delivery updates.

About the projects you will work on

You will work 100% remotely from wherever you decide. Sometimes you may have face-to-face meetings and for that reason you have to reside in Spain or in the European Union.

You will work on projects with a leading company in digital transformation with a passion for technology and innovation in sectors such as banking (35 of the main banks worldwide work with our client), insurance, industrial and automotive in Big Data projects, Blockchain, AI, Cloud, among others.

About the client

• Global presence in more than 15 markets
• 8,000+ employees
• More than 35 years of experience

About the process and your contractual relationship

If you are interested in this offer, we will enroll you in the process and submit your application, blindly, that is, without your contact details, to the technical and human resources department so that they can evaluate your profile and your financial expectations.

If the answer is positive, we organize the meetings so that the client knows you and explains the project in detail.

If after the meeting both parties agree on the conditions, you receive a firm offer to work with us or directly be hired by the client.

We are looking for a proactive, resourceful and creative professional, capable of working autonomously and adapting to different types of tasks within the team.