Product Owner / Business Analyst at Blue Finance Group (2022-11 – 2024-03)
FinTech Online Consumer Lending · 4 European Markets
- Owned Agile backlog management and roadmap planning across 4 markets, ensuring technical execution aligned with high-level business goals.
- Automated a platform-level GDPR compliance service tailored to local legal interpretations across 4 markets, eliminating manual overhead and regulatory exposure.
- Averted significant regulatory fines by designing a Finnish Tax reporting system under a hard 4-month deadline; resolved complex edge cases through data reconciliation across legacy systems.
- Redesigned B2C and B2B lending workflows across 4 markets, balancing local feature requirements with a unified global product strategy.
- Mapped API-driven workflows for KYC/AML, credit scoring, and PSD2 integrations, streamlining automated decisioning pipelines.
- Designed lead recovery flows with pre-fill and re-entry logic for abandoned applications, improving conversion rates.
Business Analyst at Blue Finance Ibérica SL (2019-09 – 2021-08)
FinTech Online Consumer Lending · Spanish Market Greenfield Launch
- Conducted market and feature research, defined MVP scope, and delivered the full BRD and BPMN documentation for a Spanish consumer lending product — launched in 6 months.
- Engineered a pre-decisioning layer with 35+ automated rules to filter applicants before core banking entry, cutting API and processing costs.
- Integrated API ecosystem for KYC/AML providers, credit bureaus, payment gateways, and collections to fully automate the loan lifecycle.
- Designed automated repayment logic with conditional retry flows based on payment provider API responses.
- Drove cross-functional unblocking across Legal, Design, and Dev teams; acted as functional source of truth and led final UAT cycles.
Business Intelligence Analyst at Ferratum Global (2011-06 – 2013-10)
FinTech Online Consumer Lending · 18 European and APAC Markets
- Queried MySQL databases to analyse customer and financial data, producing BI reports to support commercial decisions.
- Conducted market research for product expansion opportunities; developed customer targeting strategies and improved marketing campaign effectiveness.
- Delivered BBA research project on new product entry into the Spanish market (while enrolled at Haaga-Helia).
Business Operations Manager at MONOCOSMOS Ltd (2016-09 – 2018-08)
MarTech Lead Generation Platform
- Managed day-to-day operations and strategic planning, including product strategy and stakeholder management.
- Conducted market entrance research for Spain, delivering competitive analysis and strategic planning for two client companies.
- Oversaw GDPR compliance preparation of IT infrastructure and contributed to frontend and backend development projects.
Managing Director at KhreliX Design Oy (2013-10 – 2016-06)
Luxury Automotive Products
- Managed full company operations: administration, marketing, supplier sourcing, and production.
