Product Owner & Business Analyst mit 9 Jahren Erfahrung in Integrationsprojekten, spezialisiert auf digitale Banking & Payments.
Aktualisiert am 08.05.2026
Profil
Freiberufler / Selbstständiger
Remote-Arbeit
Verfügbar ab: 01.09.2026
Verfügbar zu: 100%
davon vor Ort: 100%
Scrum Product Owner
IT Consulting
API Management
Zahlungsverkehr
SEPA
Scrum
Agile
Agile Softwareentwicklung
Testmanagement
API-Management
Business Analyse
API
REST
Mobile Payment
Payment
Applepay
InstantPayment
German
Native
English
Fluent
ARABIC
Intermediate
Morrocan
Fluent

Einsatzorte

Einsatzorte

Frankfurt am Main (+50km)
Deutschland, Schweiz, Österreich
möglich

Projekte

Projekte

5 Monate
2025-09 - 2026-01

MANAGEMENT CONSULTING Banking & PAYMENTS

Manager for Banking & Payments Zahlungsverkehr Bid-Management PSD3 ...
Manager for Banking & Payments

  • Delivered functional and technical analysis for FIDA (Framework for Financial Data Access), including analysis of potential data access models, consent management approaches, and governance options, supporting preparation for the 2026 regulatory timeline
  • Assessed PSD3 & PSR impacts on authentication, fraud controls, and operational readiness across payments platforms 

Zahlungsverkehr Bid-Management PSD3 FIDA PSR
Franfurt am Main
1 Jahr 8 Monate
2024-01 - 2025-08

Modernization of Integration Management incl. API Layer

(INTERIM) API - COE PRODUCT OWNER & Consulting Businesses in new API-Products Product Management Swagger APIS IQ-Software ...
(INTERIM) API - COE PRODUCT OWNER & Consulting Businesses in new API-Products

  • Managing API ? COE Team (DEV Team - 10 members)
  • Managing Product & Sprint Backlog
  • Stakeholder Management
  • Active contribution to the development and enhancement of the API program, including API design, API management, API gateways, API portal, and catalog 

Product Management Swagger APIS IQ-Software Geschäftsprozessanalyse
Euroclear (Brussels)
Brüssel
8 Monate
2023-05 - 2023-12

API - LEAD FOR API-PROGRAM

Product Owner/ Lead Geschäftsprozessanalyse Scrum Product Owner SAFe ...
Product Owner/ Lead

  • Assessing the existing workflow of the API Program Identifying gaps in the API lifecycle journey
  • Creating and executing action plans
  • Integrating a new API design tool
  • Establishing a new operating model (Domain-Driven Design approach) 

Geschäftsprozessanalyse Scrum Product Owner SAFe Integrationsmanagement
BDO-Bank
Manila
5 Monate
2023-01 - 2023-05

Internal Projects

Senior Business Analyst/ Solution Lead (Sales)
Senior Business Analyst/ Solution Lead (Sales)
  • Create project solution?s for client proposals (Banking & Insurance)
  • Arrange the team setting for projects (E2E)
  • Presentaton of the solution to the management
  • Presentation of the final Solution to the Client 
Capgemini
5 Monate
2022-09 - 2023-01

Market analysis of Islamic Banking in the Asian region & investigation

Senior Business Analyst/ Researcher
Senior Business Analyst/ Researcher

Market analysis of Islamic Banking in the Asian region & investigation of the market potential in Germany

  • Attended the Islamic Finance Conference 2022 in Kuala Lumpur
  • Established a strong network in Asia, particularly in Malaysia, Qatar, and Indonesia
  • Conducted a gap analysis for Islamic banking products in Germany
  • Developed a product portfolio for the German market, including technical implementation and customer exposure strategie
Financial Services in Asia (Focus Malaysia)
1 Jahr 7 Monate
2021-02 - 2022-08

API Lifecycle Management squad

API ? Designer & API ? Consulant (End to End)
API ? Designer & API ? Consulant (End to End)
  • Support service provider to design their API?s e.g. GPI (global payment innovation), KYC
  • Review & publish API specifications
  • Define a process to certify API within organisation
  • Ensure compliance with API guidelines - between API specification & service provider (API-Governance)
  • Support costumers with technical API issues (Banks & Corporates)
SWIFT (Contractor)
6 Monate
2020-07 - 2020-12

Design of a new account offboarding platform ? cloud

Business Analyst
Business Analyst
  • Perform as an engagement manager for a team of 14 members
  • Project controlling execution: Cost recovery, profitability etc.
  • Analysis of as-is state of the offboarding process (incl. gathering of all the backend-systems)
  • Designed the as-is/ target architecture
  • Developing the migration concept
  • Cooperation with developers in India & Bulgaria 
Commerzbank AG (Contractor)
1 Jahr 7 Monate
2019-06 - 2020-12

Implementation of card functions for online banking

Product Owner Shadow
Product Owner Shadow
  • Led stakeholder coordination for seamless implementation of new Online Banking features
  • Participated in PI - Planning and managed dependencies to ensure project success
  • Developed and executed comprehensive test cases to validate system and acceptance criteria
  • Analyzed test results to identify and resolve defects

Commerzbank AG
Frankfurt am Main
7 Monate
2020-01 - 2020-07

Implementation of Apple Pay

Business Analyst/ Test manager
Business Analyst/ Test manager
  • Serve as the test manager (end-to-end coordination)
  • Ensure the adherence to the requirements during the implementation of the virtual card
  • Coordinate the different stakeholders (e.g. business, test team, API team, PSP etc.) regarding development and testing
Commerzbank AG (Contractor)
3 Monate
2019-04 - 2019-06

Establish resource management

Staffing coordinator/establish resource management
Staffing coordinator/establish resource management
  • Serve as point of contact for all organizational project staffing matters (staffing of different roles)
  • Match suitable candidates with the right assignments in order to achieve the best results
  • Implementation of the staff development plan for employees in coordination with their HR managers, e.g. project rotations
Capgemini internal
1 Jahr 5 Monate
2018-01 - 2019-05

API ? Management

Business Analyst
Business Analyst
  • Support in designing new business cases for new Product-API's
  • Designing API's in SwaggerHub
  • Coordination in the technical development of API's for internal and external consumers
  • Conduct workshops of the API-Banking introduction in the different business departments of the customer

Commerzbank AG

Aus- und Weiterbildung

Aus- und Weiterbildung

2011 - 2016

INFORMATION TECHNOLOGY

BACHELOR OF SCIENCE

FRANKFURT UNIVERSITY OF APPLIED SCIENCES


2009 - 2010

ECONOMY & TECHNOLOGY

FACHHOCHSCHULREIFE

FRANZ BÖHM SCHULE (FRANKFURT) UNIVERSITY OF APPLIED SCIENCES ENTRANCE QUALIFICATION


2007 - 2009

STATE-CERTIFIED COMMERCIAL ASSISTANT FOR INFORMATION PROCESSING

BETHMANNSCHULE (FRANKFURT)


CERTIFICATES

  • IBM AI Product Manager Training (On-going)
  • Certified Payment Professional (Frankfurt School of Finance & Management)
  • Developing APIs with Google Clouds Apigee API Platform
  • Certified Agile Service Manager
  • Management of Risk Foundation
  • Certified SAFe 4 Agilist
  • Professional Scrum Master
  • IREB Certified Professional for Requirements Engineering

Position

Position

  • Product Owner
  • Business Analyst
  • Project Manager
  • Engagement Manager

Kompetenzen

Kompetenzen

Top-Skills

Scrum Product Owner IT Consulting API Management Zahlungsverkehr SEPA Scrum Agile Agile Softwareentwicklung Testmanagement API-Management Business Analyse API REST Mobile Payment Payment Applepay InstantPayment

Produkte / Standards / Erfahrungen / Methoden

Banking & Open Banking
API ? Management
Business Analyse
Test-Management
Agile Project Management
IT Architectur

Profile

  • Business Analyst & Product Owner with 10+ years of experience in financial services, delivering complex banking initiatives for Tier-1 clients at Capgemini and Accenture.
  • Expertise in payments, core banking modernization, cloud migration, and digital banking platforms, with a strong focus on compliance, security, and scalability.
  • Combines product ownership, business analysis, and delivery leadership, including roles as Engagement Manager and Test Lead in international environments.


Skills

  • Business Analyse 
  • API Management 
  • OpenBanking & Payments 
  • Agile Project Management 
  • Leadership 
  • Critical Thinking


INTERNATIONAL EXPERIENCE

01/2024 - today

Bruessels - Project assignment 


2023 - 2023

Manila - Project assignment 


2022 - 2023

Asia - Research: Islamic Finance in Asia vs. Europe


2021 - 2022

London - Project assignment 


2014 - 2014

Seoul - WHA Summer University 


2010 - 2011

Australien - Work & Travel

Einsatzorte

Einsatzorte

Frankfurt am Main (+50km)
Deutschland, Schweiz, Österreich
möglich

Projekte

Projekte

5 Monate
2025-09 - 2026-01

MANAGEMENT CONSULTING Banking & PAYMENTS

Manager for Banking & Payments Zahlungsverkehr Bid-Management PSD3 ...
Manager for Banking & Payments

  • Delivered functional and technical analysis for FIDA (Framework for Financial Data Access), including analysis of potential data access models, consent management approaches, and governance options, supporting preparation for the 2026 regulatory timeline
  • Assessed PSD3 & PSR impacts on authentication, fraud controls, and operational readiness across payments platforms 

Zahlungsverkehr Bid-Management PSD3 FIDA PSR
Franfurt am Main
1 Jahr 8 Monate
2024-01 - 2025-08

Modernization of Integration Management incl. API Layer

(INTERIM) API - COE PRODUCT OWNER & Consulting Businesses in new API-Products Product Management Swagger APIS IQ-Software ...
(INTERIM) API - COE PRODUCT OWNER & Consulting Businesses in new API-Products

  • Managing API ? COE Team (DEV Team - 10 members)
  • Managing Product & Sprint Backlog
  • Stakeholder Management
  • Active contribution to the development and enhancement of the API program, including API design, API management, API gateways, API portal, and catalog 

Product Management Swagger APIS IQ-Software Geschäftsprozessanalyse
Euroclear (Brussels)
Brüssel
8 Monate
2023-05 - 2023-12

API - LEAD FOR API-PROGRAM

Product Owner/ Lead Geschäftsprozessanalyse Scrum Product Owner SAFe ...
Product Owner/ Lead

  • Assessing the existing workflow of the API Program Identifying gaps in the API lifecycle journey
  • Creating and executing action plans
  • Integrating a new API design tool
  • Establishing a new operating model (Domain-Driven Design approach) 

Geschäftsprozessanalyse Scrum Product Owner SAFe Integrationsmanagement
BDO-Bank
Manila
5 Monate
2023-01 - 2023-05

Internal Projects

Senior Business Analyst/ Solution Lead (Sales)
Senior Business Analyst/ Solution Lead (Sales)
  • Create project solution?s for client proposals (Banking & Insurance)
  • Arrange the team setting for projects (E2E)
  • Presentaton of the solution to the management
  • Presentation of the final Solution to the Client 
Capgemini
5 Monate
2022-09 - 2023-01

Market analysis of Islamic Banking in the Asian region & investigation

Senior Business Analyst/ Researcher
Senior Business Analyst/ Researcher

Market analysis of Islamic Banking in the Asian region & investigation of the market potential in Germany

  • Attended the Islamic Finance Conference 2022 in Kuala Lumpur
  • Established a strong network in Asia, particularly in Malaysia, Qatar, and Indonesia
  • Conducted a gap analysis for Islamic banking products in Germany
  • Developed a product portfolio for the German market, including technical implementation and customer exposure strategie
Financial Services in Asia (Focus Malaysia)
1 Jahr 7 Monate
2021-02 - 2022-08

API Lifecycle Management squad

API ? Designer & API ? Consulant (End to End)
API ? Designer & API ? Consulant (End to End)
  • Support service provider to design their API?s e.g. GPI (global payment innovation), KYC
  • Review & publish API specifications
  • Define a process to certify API within organisation
  • Ensure compliance with API guidelines - between API specification & service provider (API-Governance)
  • Support costumers with technical API issues (Banks & Corporates)
SWIFT (Contractor)
6 Monate
2020-07 - 2020-12

Design of a new account offboarding platform ? cloud

Business Analyst
Business Analyst
  • Perform as an engagement manager for a team of 14 members
  • Project controlling execution: Cost recovery, profitability etc.
  • Analysis of as-is state of the offboarding process (incl. gathering of all the backend-systems)
  • Designed the as-is/ target architecture
  • Developing the migration concept
  • Cooperation with developers in India & Bulgaria 
Commerzbank AG (Contractor)
1 Jahr 7 Monate
2019-06 - 2020-12

Implementation of card functions for online banking

Product Owner Shadow
Product Owner Shadow
  • Led stakeholder coordination for seamless implementation of new Online Banking features
  • Participated in PI - Planning and managed dependencies to ensure project success
  • Developed and executed comprehensive test cases to validate system and acceptance criteria
  • Analyzed test results to identify and resolve defects

Commerzbank AG
Frankfurt am Main
7 Monate
2020-01 - 2020-07

Implementation of Apple Pay

Business Analyst/ Test manager
Business Analyst/ Test manager
  • Serve as the test manager (end-to-end coordination)
  • Ensure the adherence to the requirements during the implementation of the virtual card
  • Coordinate the different stakeholders (e.g. business, test team, API team, PSP etc.) regarding development and testing
Commerzbank AG (Contractor)
3 Monate
2019-04 - 2019-06

Establish resource management

Staffing coordinator/establish resource management
Staffing coordinator/establish resource management
  • Serve as point of contact for all organizational project staffing matters (staffing of different roles)
  • Match suitable candidates with the right assignments in order to achieve the best results
  • Implementation of the staff development plan for employees in coordination with their HR managers, e.g. project rotations
Capgemini internal
1 Jahr 5 Monate
2018-01 - 2019-05

API ? Management

Business Analyst
Business Analyst
  • Support in designing new business cases for new Product-API's
  • Designing API's in SwaggerHub
  • Coordination in the technical development of API's for internal and external consumers
  • Conduct workshops of the API-Banking introduction in the different business departments of the customer

Commerzbank AG

Aus- und Weiterbildung

Aus- und Weiterbildung

2011 - 2016

INFORMATION TECHNOLOGY

BACHELOR OF SCIENCE

FRANKFURT UNIVERSITY OF APPLIED SCIENCES


2009 - 2010

ECONOMY & TECHNOLOGY

FACHHOCHSCHULREIFE

FRANZ BÖHM SCHULE (FRANKFURT) UNIVERSITY OF APPLIED SCIENCES ENTRANCE QUALIFICATION


2007 - 2009

STATE-CERTIFIED COMMERCIAL ASSISTANT FOR INFORMATION PROCESSING

BETHMANNSCHULE (FRANKFURT)


CERTIFICATES

  • IBM AI Product Manager Training (On-going)
  • Certified Payment Professional (Frankfurt School of Finance & Management)
  • Developing APIs with Google Clouds Apigee API Platform
  • Certified Agile Service Manager
  • Management of Risk Foundation
  • Certified SAFe 4 Agilist
  • Professional Scrum Master
  • IREB Certified Professional for Requirements Engineering

Position

Position

  • Product Owner
  • Business Analyst
  • Project Manager
  • Engagement Manager

Kompetenzen

Kompetenzen

Top-Skills

Scrum Product Owner IT Consulting API Management Zahlungsverkehr SEPA Scrum Agile Agile Softwareentwicklung Testmanagement API-Management Business Analyse API REST Mobile Payment Payment Applepay InstantPayment

Produkte / Standards / Erfahrungen / Methoden

Banking & Open Banking
API ? Management
Business Analyse
Test-Management
Agile Project Management
IT Architectur

Profile

  • Business Analyst & Product Owner with 10+ years of experience in financial services, delivering complex banking initiatives for Tier-1 clients at Capgemini and Accenture.
  • Expertise in payments, core banking modernization, cloud migration, and digital banking platforms, with a strong focus on compliance, security, and scalability.
  • Combines product ownership, business analysis, and delivery leadership, including roles as Engagement Manager and Test Lead in international environments.


Skills

  • Business Analyse 
  • API Management 
  • OpenBanking & Payments 
  • Agile Project Management 
  • Leadership 
  • Critical Thinking


INTERNATIONAL EXPERIENCE

01/2024 - today

Bruessels - Project assignment 


2023 - 2023

Manila - Project assignment 


2022 - 2023

Asia - Research: Islamic Finance in Asia vs. Europe


2021 - 2022

London - Project assignment 


2014 - 2014

Seoul - WHA Summer University 


2010 - 2011

Australien - Work & Travel

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