Product Owner (Credit Risk & Scoring Platform)

Please Note JSC Space International, Georgian Hub of TBC Uzbekistan is announcing bellow mentioned position.

About Us

We are TBC Uzbekistan, the digital financial services ecosystem powering some of the Uzbekistans most innovative financial experiences. With 4,000+ team members, representing 28+ nationalities, we reach 22+ million users with products that make every day financial life simpler, smarter, and more accessible. Our ecosystem provides a leading digital banking offering in the region and includes TBC Bank Uzbekistan, one of the country’s largest digital banks; TBC Business – empowering entrepreneurs and SMEs; payme, one of Uzbekistan’s most popular payment apps; TBC Nasiya, a fast-growing credit installment business; BILLZ, a retail platform for SMEs and TBC Sug‘urta, a new generation of digital insurance.

Your Mission

The Product Owner for the Credit Risk & Scoring Platform plays a critical role in bridging the gap between credit/risk strategy, data science, and technical execution. The Product Owner owns the product backlog for a dedicated engineering team responsible for the centralized decisioning engine, real-time risk evaluation, and automated scoring infrastructure within the banking domain.

Your Role in the Team

Product Vision & Strategy Execution

-Collaborates with Risk Managers, Data Science, and Compliance to align the scoring platform roadmap with bank-wide credit and risk objectives.

-Translates risk strategies, credit policies, and model requirements into a clear technical vision for the development team.

Backlog Management & Prioritization

-Owns and prioritizes the platform backlog based on business impact, regulatory compliance, technical debt, and system scalability.

-Manages sprints and backlog transparency in Jira, leading refinement and planning sessions to ensure items meet the Definition of Ready (DoR).

-Adapts priorities quickly based on policy shifts, regulatory mandates, and platform capacity.

Requirements Definition

-Translates complex risk models, policy logic, and bureau integrations into clear Epics, User Stories, and Acceptance Criteria.

-Defines precise technical specifications for decisioning rules, API contracts, fallback logic, and audit trails.

Agile Team Collaboration & Guidance

-Acts as the dedicated, embedded Product Owner, providing daily direction, domain context, and priority clarification to the development team.

-Proactively resolves delivery bottlenecks, data dependencies, and cross-functional blockers.

Delivery Oversight & Execution

-Serves as the Directly Responsible Individual (DRI) for delivering scoring features and rule engine updates on schedule.

-Oversees the end-to-end SDLC, including shadow/A-B testing, production deployments, and post-launch monitoring.

-Coordinates cross-team dependencies across Core Banking, Onboarding, Fraud, and Data Platform teams.

The skills needed to Join Us

-4+ years of experience in Credit Risk, Credit Scoring, Lending, or related areas.

-4+ years of experience in Product Ownership/Product Management, preferably in banking or fintech.

-Strong understanding of credit risk strategies, scoring models, credit policies, and decisioning processes.

-Experience translating business requirements into User Stories, Acceptance Criteria, and product requirements.

-Experience managing and prioritizing a product backlog and working with Agile/engineering teams.

-Good understanding of APIs, integrations, data flows, and automated decisioning systems.

-Strong analytical, communication, and stakeholder management skills.

-Knowledge of English and Russian languages.

What’s In it for you?

💰 Compensation & Rewards

• Competitive salary & annual KPI bonus
• Corporate discounts and special offers from partner companies

🌟 Flexibility & Time Off

• Hybrid work model: 3 days in the office, 2 days from home. Plus, you will get 24 Days annually to work from anywhere
• 24 days of annual vacation and 4 additional recharge day offs each year
• Birthday Day Off for every team member and 2 childcare days for parents
• Flexible working hours with two options: 09:00–18:00 or 10:00–19:00.

❤️ Wellbeing & Growth

• Fresh fruits in the office and seasonal treats throughout the year
• Access to Udemy, Coursera, and our internal learning platform with 1,600+ courses
• Professional training and workshops to strengthen both technical and soft skills

🎉 Community & Culture

• Team events & gatherings, celebrations, championships, and wellness initiatives that keep our community active and connected
• Sports clubs including padel, football, and basketball.