Principal Product Owner - Finance (F/M/X)

About us

At ablefy, we believe that passion can turn into a career for anyone! With our cloud-based SaaS platform solution, ablefy.io, we offer an easy and efficient way for everyone to create and sell digital products and online courses. More than 70,000 entrepreneurs have already placed their trust in our expertise!

Our story began in 2015, and for the first five years, we grew organically, becoming a profitable company with a team of around 60 employees. Then, in September 2021, we raised $38 million in series A funding led by Target Global, with participation from Partech Ventures and Avid Ventures. Since then, we've doubled in size!

Since then, our company size, products, features, and services have doubled and we have become Germany's No. 1 platform for coaches, consultants, speakers, and service providers. We continue to grow to this day – that's why we're looking for you.
Our core values are crucial to our success:

• Ownership - Lead by Example, Accountability, Mission first
• Be Curious & Drive Change - Embrace Change & Growth, Never Assume, Lead with a Vision for Change
• Customer-Obsessed - Champion Customer-Centric Decision-making, Deliver Meaningful Value, Go Above and Beyond
• As One Tribe - Embrace Differences, Collaboration over Hierarchy & Competition, Build Trust through Honesty, Integrity & Respect

Diversity & Inclusion

At ablefy, we embrace our differences, as they are our greatest strength. We recognize that everyone has a unique perspective based on their experiences, identities, and thought processes, and we strive to create an inclusive environment for all. Discrimination based on race, religion, color, national origin, gender identity or expression, sexual orientation, age, marital status, disability status, or any other aspect that makes you unique is not tolerated at ablefy. We aim to make growth accessible to everyone! 

We know that no candidate checks every single box, and that’s okay! If you’re excited about this role and think you can bring something valuable to our team, we encourage you to apply—even if you don’t meet every requirement. We’d love to hear from you!

Description

Our business model is a dynamic mix of SaaS subscriptions, transactional payments, and a Merchant of Record (reseller) model. This creates unique complexities in compliance, risk, and financial operations. However, we see this as a huge opportunity to transform finance from a back-office cost center into a core product that adds value for our customers.

As a Product Owner, Finance, you'll be the crucial link between finance, product, engineering, and legal. You will own the financial product vision and strategy, ensuring our financial infrastructure is stable, compliant, and cost-efficient while also evolving it into a powerful, customer-facing platform. Your work will directly enable new monetization opportunities and improve the user experience.

What You'll Do

Core Responsibilities

• Own the Finance Tech Stack & Architecture
• Lead the design and management of the full finance technology stack, including ERP, billing, PSPs, reporting, and integrations.
• Ensure all financial interfaces (billing, payouts, revenue recognition, tax, compliance) are robust, automated, and scalable.
• Act as the owner of all system interfaces between Finance, Product, and Operations.
• Integrate AI-powered tools to automate data reconciliation, detect anomalies in financial reports, and forecast cash flow with greater accuracy.

Embed Finance Into the Product Experience

• Translate finance and compliance requirements (KYC/AML, invoicing, VAT, payouts) into product and UX flows.
• Partner with Product & Engineering to ensure financial features are designed for customer experience, not only internal needs.
• "Dogfood" finance workflows internally to reduce risk, cost, and inefficiency before scaling to customers.
• Utilize AI to create value for customers and ablefy alike, e.g. though create smart onboarding flows that streamline KYC/AML checks, or to personalize invoicing and payment reminders based on user behavior.

Drive Commercialization of Finance

• Evolve the finance stack from an internal enabler to a customer-facing product layer.
• Identify monetization opportunities across embedded finance, reporting, compliance add-ons, and risk services.
• Drive the stability and further commercialization of our Merchant of Record (reseller) model as a strategic revenue lever.
• Leverage machine learning models to analyze transaction data, identify new revenue streams, and personalize embedded financial products for different customer segments.

Compliance & Regulatory Alignment

• Collaborate with Legal & Compliance to understand applicability of regulatory standards to our business and ensure adherence to all relevant standards.
• Embed risk management into platform processes (e.g., KYC blocks, chargeback monitoring, tax handling).
• Ensure international scalability across multiple regulatory jurisdictions.
• Implement AI-driven compliance engines to monitor transactions in real time, automatically flag suspicious activity for AML, and generate automated compliance reports.

Stakeholder Alignment & Leadership

• Act as the key bridge between Finance, Product, Engineering, Legal, and Compliance.
• Influence product roadmap priorities where finance is a critical enabler.
• Provide clear visibility on financial system health, risks, and opportunities to the CFO and executive team.
• Develop AI-powered dashboards that offer real-time insights into financial performance and risk, allowing for proactive, data-driven decisions

What You'll Bring

• 5+ years of experience as a Product Owner, or in a similar product management role, preferably within a SaaS, fintech, or transactional platform with complex financial operations.
• A proven track record of owning and shipping products that involve payments, billing, ERP systems, and financial infrastructure.
• Deep understanding of transactional and Merchant of Record environments, as well as SaaS subscription models.
• Hands-on knowledge of financial tools like PSPs (Stripe, Adyen, PayPal) and ERP/finance systems (Datev, Netsuite).
• Exceptional communication skills, with the ability to effectively align strategic priorities with engineering execution and influence stakeholders at all levels.
• An entrepreneurial mindset—you are a problem solver who first stabilizes the core but always has an eye toward commercialization and innovation.

Benefits

• Paid Time Off - 30 vacation days.
• A competitive salary.
• A personal training & development budget of € 1,500 per year.
• Responsibility and trust from day 1.
• Individual coaching and further training to support you in your development.
• A free BVG ticket.
• Employee discounts at numerous companies (e.g. at the gym or in online stores).
• Pension Program with company match.
• A Culture of equity and Inclusion where you are appreciated for the person you are.