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Product Area Lead | Lending Acquisition @ING Bank

Employee | Project & Programme Management | Professional | Romania | Bucharest | 2024-04-02 | REQ-10069690


Discover ING Bank

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses.

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.8 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!


The delivery of complex products, processes or features, involving several squads that develop multiple parts or features of a product or a process in relation to multiple external stakeholders, requires the leadership & coordination of a Product Area Lead (PAL).

As a Product Area Lead, you will:

  • Be responsible with the overall strategy and vision of the product& processes in the area under ownership, ensuring that this is completely aligned with the other delivery areas within the Tribe and with the overarching Tribe strategic direction and objectives.
  • Bear the full accountability over the success of the product & process delivery and the achievement of all related performance indicators: Customer promise, CX, NFR, security, innovation, technical etc.
  • Will act as asset owner of the assets in the area, ensuring full compliance with the asset ownership-related requirements and obligations.
  • Will act as hierarchical manager of the CJEs in the squads in the area, being responsible with their growth and performance.

Your day to day


  • You are accountable for the product’s vision and strategy, as well as of the processes associated with the product, throughout the product’s lifecycle: anticipating market demands & building new, innovative features, maintain existing features and decommission/replace features. You coordinate the Product Owners in the contributing squads who are responsible for the product’s and process parts.
  • You are responsible for the overall roadmap definition and the overall deliverables of the squads that contribute to the product, and hence for the product’s and process success, from all perspectives:
    • Business & commercial: in-time and bug-free delivery of features that bring value added to clients
    • Technical: ensure the proper technical evolution, maintenance & resilience of the technical components
    • Fraud & Security: deliver of the Anti-Fraud roadmap and ensure proper Security standards to the product and processes
    • NFR: responsible for the compliancy on all NFR-related elements of the product (IT Risk included).
    • Financial: responsible for all costs/revenues elements related to the Product and the process associated targets.
  • Thus, you manage product’s complexity and bring clarity to the squads regarding individual contribution to the product evolution.
  • You are responsible to coordinate at QBR level the backlogs of the squads, by collaborating with the Tribe Lead, Product Owners, Architects & all other internal & external stakeholders. This entails a thorough understanding of both individual projects in the backlogs, but also of the Tribe’s and Bank’s Agenda and Priorities.
  • You collaborate with other PALs in the Tribe and the Tribe Lead to ensure full alignment towards the strategic objectives of the Tribe.
  • You collaborate and coordinate daily with the Product Owners, to assist with impediment removal, product backlog refinement and release planning.
  • You collaborate with the CoE of CX, Innovation & UX to ensure that features under ownership provide a state-of-the-art experience to the clients.
  • You will act as asset owner of the assets in the area, ensuring full compliance with the asset ownership-related requirements and obligations.
  • You manage all key stakeholders of the product, both internal (Tribe Lead, other PALs, POs, ITAL) and external to the Tribe. You represent the Tribe in front of any external stakeholders, acting as a proxy for the Tribe Lead whenever necessary.
  • You coordinate, on the technical level, with architects, IT Area Lead and Chapter Leads involved in the contributing squads.
  • You are responsible for the financial budgeting and performance of the product and process (if applicable)
  • You resolve dependencies and impediments raised by the squads.
  • You take ownership on risk management and follow the appropriate procedures to assess and mitigate financial risk and non-financial risk while operating complex standardized business processes, to protect the organization from undue risks.
  • You identify deficiencies in existing business practices, then suggest and implement improvements while developing and delivering projects or a work stream within the organization's change management program. Involves working with guidance from senior colleagues.

People and Performance Management

  • You lead, manage, and develop all the CJE in the squads in your area
  • You ensure and grow the level of expertise among CJE on all necessary set of skills and related knowledge: process streamlining, CX, NFR, process management, technical knowledge of the product etc.
  • You coach and develop area members so that they can get the best out of themselves in the domains of product development, processes, validation with customers and channel/distribution.
  • You create a high-performing team, remove impediments, onboard new CJE members in the area and properly manage the performance of the area members who report to you
  • You are responsible to ensure optimal area structure, staffing and synergies among the squads in the area with regards to CJE
  • As a role model you strengthen the “ING way of working” while safeguarding the Orange Behaviours.

What you bring to the team

  • University degree
  • 4-6 years of previous experience in lending products management. Product Owner past experience is a must.
  • True passion for the customer: customer focus, empathy and interest placed at the center of all undertakings.
  • Persuasiveness: Uses indirect influence. Leading and influencing skills, with proven ability to convince people and to turn resistance into cooperation
  • Ability to build, support and implement, across organizational boundaries.
  • Strong stakeholder management across a wide range of different stakeholders from business customers through IT. Ability to engage and influence at all levels of stakeholder, both internally and externally
  • Demonstrated execution power
  • Flexibility: Anticipates and prepares for opportunities and obstacles
  • Performance motivation: Looks for challenges for himself/herself and others. Result and deadline focus. Agile mindset, driven by performance
  • Empathy with the company: Understands the political relationships within the company
  • Independence: Sticks to his principles despite external pressure. Self-starter, high-level of energy and can-do attitude
  • Excellent organization and planning skills
  • Exposure and experience in working with senior management.
  • Effective consultative style and outstanding interpersonal qualities

What we offer

  • Impactful work in a fun and collaborative environment;
  • Open-concept offices designed for both team work and relaxation;
  • Corporate events and social gatherings;
  • Hybrid way of working with flexible working schedule and short week options;
  • Monthly budget on Benefit platform;
  • Extra annual leave days depending on the total length of working experience;
  • Growth opportunities through upskilling/ reskilling programs and a variety of learning and development platforms: ING Learning Centre, Udemy, Bookster, as well as through trainings and certifications;
  • Possibility to access Internal roles, International Short-Term Assignments or Long-Term Assignments;
  • Context to make an impact through Sustainability and Corporate Social Responsibility projects.


Questions about this opportunity?

Feel free to contact Elena Ardeleanu, Recruiter. e-mail: or Phone: +40 (756) 092079

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Please be aware that the recruitment procedures, (labour) regulations and labour agreements of Romania apply.

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