Journey Owner, Neon Credit

Join the best bank to work for in Bulgaria*

Who we are:

Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people. Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

Do you want to play a key role in our unique success story?

If so, we're looking for a Journey Owner, Neon Credit to join our team on our journey to success!

The Journey Owner for the Neon Credit is responsible for the end-to-end performance and customer experience of this lifestyle-oriented credit product. The role focuses on enabling customers to shop and pay flexibly through digital channels, while ensuring the product delivers growth, engagement, and profitability for the bank.

What You’ll do:

• Lead the end-to-end Neon Credit journey strategy - from customer acquisition and activation to ongoing engagement and retention.

• Position the product as a modern lifestyle credit solution, seamlessly integrating instalment and Buy Now Pay Later experiences.

• Drive key journey KPIs, including:
  1) Growth of active customers and activation rate

  2) Monthly transaction and instalment volumes

  3) Share of revolving balances and overall profitability metrics

  4) Customer satisfaction and retention rate

• Coordinate and align cross-functional teams - including Product, Marketing, Risk, Legal, Operations, Finance, and Re-engagement - to deliver a cohesive roadmap.

• Identify and capitalize on new growth opportunities through strategic partnerships, marketing campaigns, and product enhancements.

• Leverage data and customer insights to continuously optimize performance and improve customer experiences.

• Represent the journey in key internal reviews (RBC, MBR, QBR), providing management with clear updates on performance, insights, and priorities.

• Balance customer experience, regulatory compliance, and risk management to ensure sustainable and responsible growth across all initiatives.

What you’ll need to succeed:

• University degree in Business, Marketing, Economics, or a related field.

• 6–8 years of experience in retail banking or consumer finance, ideally with exposure to credit cards, instalment cards, or related payment solutions.

• Proven track record in driving product growth and managing the full product lifecycle.

• Experience leading cross-functional teams and delivering results in agile or fast-paced environments.

• Deep understanding of consumer credit, BNPL, or lifestyle shopping products.

• Strategic and analytical thinker with a strong focus on measurable business outcomes.

• Excellent communication and stakeholder management abilities.

• Digitally savvy and passionate about customer-centric innovation.

• Strong ability to translate data and insights into actionable strategies that drive performance and engagement.

What we offer:

• Seize the opportunity to grow your career

• Engage in exciting and meaningful work

• Get recognition for your work and attitude

• Become part of a large, friendly and supportive team

• Get additional private health insurance

• Receive special prices for multisport card and multiple retailers

• Obtain preferential prices for our banking products

• Enjoy a great location in Sofia’s city centre near National Palace of Culture and South Park

Visit our Career Page to learn more about what makes us different.

If this sounds like something you’d be interested in, we'd love to hear from you!

To apply for this position, please send us your CV in English.

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

*We are ranked the top bank and top 4 employer to work for in Bulgaria according to Kaderabotim.bg 2024 employer rankings.

All applications are treated with utmost confidentiality.

By submitting your job application to tbi bank, you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available on tbi Career page.