Title: Business Expert (Investment Products)
Company: JSC «OTP Bank»
Location: Moscow
Experience: 3 to 6 years
We are looking for a professional who will help us create in-demand investment solutions and build client financial strategies. Join our team if you know how to balance client interests, business performance, and technological capabilities — and are ready to launch investment products that truly deliver results.
What you will do
- Develop and scale the investment product line — from concept to launch, including creating solutions "from scratch" for target segments
- Manage the portfolio of investment obligations and client positions, optimize the portfolio structure and profitability, develop client acquisition and retention mechanics
- Formulate the commercial model and terms for clients: profitability, fees, entry thresholds, benefits, promo mechanics — to make offers competitive and transparent
- Integrate commercial parameters into technological products: configure tariffs, income accrual rules, transaction execution scenarios, limits, and exceptions
- Ensure regulatory and legal compliance for products: interact with compliance and legal departments, consider Central Bank requirements and industry standards, prepare documents for registration and information disclosure
- Develop the client journey in investments: from onboarding and strategy selection to portfolio rebalancing and fund withdrawal — making the process clear, convenient, and secure.
What we expect from the candidate
- At least 3 years of experience in a bank, brokerage firm, or fintech project as a product owner, analyst, or sales manager for investment products
- Understanding of the structure and logic of investment portfolio formation, client risk profiling, asset classes, and basic investment strategies
- Knowledge of technological and operational processes in the investment unit: position accounting, profitability calculations, transaction execution, reporting, integration with external systems (exchanges, depositories)
- Analytical thinking and data-driven decision-making skills: analysis of sales funnels, conversions, churn, product unit economics, A/B tests, portfolio reports
- High communication skills: ability to conduct productive negotiations with cross-functional teams (sales, marketing, premium segment, finance, IT, risk management, compliance) and external partners
- Higher education (economics, finance, mathematics, technical specialties — specialized financial or economic education is a plus).
Work experience: more than 3 years
Education level: higher education
