Product Manager

We are looking for a strong Product Manager for Tochka Bank. We are building an online bank and an ecosystem of services for businesses. Our team has over 6,000 employees, and our services are used by over 800,000 clients.

Developers, analysts, designers, editors, and other product managers will work on the product with you. A well-thought-out grade system will show you how and where to grow.

• Balance of freedom and responsibility. No one will impose their methods or point of view; you can make independent decisions, influence the outcome, and be responsible for it. We ensure everyone is heard
• Business-oriented teams and a strong community. Development teams deeply understand the product and customer pain points, so they create strong solutions for entrepreneurs. The Tochka Bank product management community will help you grow, offer advice, or challenge ideas upon request

You will be fully responsible for the product and its development — from customer value to revenue. You will need to test hypotheses, implement features, search for new channels and segments, and try new approaches in working with the audience.

• Be responsible for the product and independently form the backlog. Work with the team, based on set goals. For example, increase penetration in the existing customer base
• Work with deep user pain points and needs, find new audience segments, and create new value for them
• Be responsible for the product's profit and look for ways to increase it: monetization models, tariffs, paid features, upsell. Calculate unit economics: CAC, LTV, payback
• Work with acquisition and churn funnels at all stages of the customer lifecycle. Look for new growth hypotheses together with the marketing team
• Organize effective interaction within the team: set up communication between developers, product designers, UX researchers, and participants from other teams

• You have at least five years of experience in creating new fintech products or scaling existing ones
• You have a good understanding of product metrics: ARPPU, LTV, and others
• You understand how product value for the customer translates into money for the business
• You know how to identify a large audience, define their needs, and create a product for them
• You have a case study that impacted revenue or customer acquisition, and you can show the results in numbers
• You can simply and clearly set tasks for designers, editors, researchers, and marketers
• You know how to interact with related teams and clarify important details for the product. For example, with support, legal, or sales teams
• You can plan for 3–6 months and create a roadmap of changes for a quarter or half-year

• Official salary up to 590,000 ₽ per month. The exact amount depends on your skills and expectations — we will discuss them during the interview. This is the gross amount (before taxes). Remember that from 2025, the personal income tax rate changes depending on your total annual income
• Fully remote work or the option to work in our well-designed open spaces in our presence cities. A five-day work week, with flexible start and end times
• Opportunity for role development. We have a large library of internal courses and an online learning platform, own and partner programs, access to external courses and training, and mentorship opportunities. Every six months, there is a performance review with your leader and grading
• Care for your comfort. Voluntary medical insurance after the probation period, discounts on psychological support, 4 additional days off per year, bonuses from Skillbox, Skyeng, Yandex Practicum, a convenient online employee portal where you can order certificates, equipment, plan days off and vacations