Kerem Kutluboga

Product Owner (PSPO I) | Bridging Digital Platforms, SAP Retail & Operational Workflows | Fintech & eCommerce |

Huddersfield, England, United Kingdom

About

I don’t just deliver digital products; I build the financial and operational backbone for market leaders. I am a results-driven Product Owner with 5+ years of experience delivering high-impact enterprise payment platforms, SAP-integrated retail operations, and e-commerce solutions. With a foundational background in Industrial Engineering, I bridge the gap between complex operational environments (factories/warehouses) and technical engineering squads to drive commercial growth and process efficiencies. Currently, I lead Agile product delivery for enterprise operational and payment platforms within a SAFe environment, successfully supporting high-volume global transactions and multi-currency infrastructure. Key Career Highlights: πŸš€ Managed API-based integrations with 12 payment facilitators and 28 global banking partners (incl. HSBC, BBVA, ING), driving a record 93% transaction success rate. πŸ“‰ Delivered operational onboarding platform improvements that drove a 40% reduction in operational costs. πŸ”„ Led SAP MM & FICO integration initiatives that slashed month-end financial closing cycles from 6 days to 1.5 days and reduced stock-related order cancellations by 21%. πŸ“¦ Hands-on experience in "field-to-product" delivery, spending regular time in dark stores and logistics environments to optimize OMS, WMS, and last-mile routing applications. Core Expertise: β€’ Product Management: Agile Delivery (Scrum/Kanban), SAFe, Backlog Prioritisation, Product Discovery, Workshop Facilitation, User Stories. β€’ ERP & Technical: SAP Retail, SAP MM, SAP FICO, Order Management Systems (OMS), WMS, API Integrations, SQL. 🌍 Status: Based in West Yorkshire, UK. Full UK Right to Work (No sponsorship required).

Experience

  • Product Owner at POFintech
    Jun 2023 - Present Β· 3 yrs 1 mo

    πŸš€ Greenfield Product Strategy: Spearheaded the delivery of an enterprise financial platform from the ground up, defining the functional framework and product roadmap for scalable payment solutions. πŸ’³ Large-Scale Payment Integration: Directed complex API-based integrations with multiple Payment Facilitators (PF) and tier-1 global banks, establishing a robust backbone for cross-border 3DS and Non-3DS transactions. πŸ“‰ Business Transformation & Automation: Championed the automation of client onboarding and account opening processes, delivering a high-scale portal that slashed operational costs by 90%. βš–οΈ Regulatory Excellence: Ensured 100% alignment with global financial regulatory standards, achieving a perfect pre-audit compliance score for all financial products. βš™οΈ Operational Efficiency: Streamlined backend transaction flows and error-handling logic, achieving a 93% success rate and significantly enhancing platform reliability. πŸ”„ SAFe & Multi-Squad Orchestration: Successfully delivered complex features within a SAFe environment, facilitating PI Planning sessions and aligning multi-squad roadmaps with corporate KPIs. πŸ›‘οΈ Security & Risk Mitigation: Enhanced platform security by orchestrating the seamless integration of a third-party Fraud Prevention Engine, achieving a 98% detection rate.

  • Product Owner at BiSU
    Jun 2022 - Jun 2023 Β· 1 yr 1 mo

    BiSU is a leading on-demand e-commerce and fast-delivery platform specializing in high-volume logistics and retail fulfillment. Directed the product development for high-scale logistics and warehouse management solutions. Focused on optimizing last-mile delivery cycles and unit economics through data-driven product discovery and cross-functional leadership. Key Achievements & Operational Impact: πŸš€ Strategic Product Launch: Conceptualised and launched a real-time Order Management System (OMS) with integrated stock tracking and shelf-level dark store mapping, resulting in a 30% increase in picking efficiency and a 40% boost in CSAT scores. πŸ—ΊοΈ Logistics & Routing Optimization: Delivered a bespoke delivery routing application integrated with Yandex Maps API, driving a 43% increase in delivery speed and a 28% reduction in incorrect/failed deliveries. πŸ‘€ Customer-Centric Product Discovery: Conducted on-site field research within dark store operations to shadow delivery personnel, successfully translating real-world operational pain points into high-impact courier efficiency features. πŸ‘₯ Cross-Functional Squad Leadership: Orchestrated a cross-functional squad (Engineering, UX, QA, Business), successfully aligning business roadmaps with technical execution to ensure the on-time delivery of complex operational features. πŸ”„ Full SDLC Management: Led two mission-critical operational platforms from initial discovery through to high-volume production rollout, significantly enhancing overall system reliability and streamlining core logistics workflows.

  • Product Owner at Δ°steGelsin
    Sep 2019 - Jun 2022 Β· 2 yrs 10 mos

    IsteGelsin is a premier e-grocery e-commerce platform and a subsidiary of Pladis Global, operating extensive dark store and nationwide logistics networks. Managed product strategy and enterprise-grade integrations for a leading e-grocery platform. Led large-scale initiatives involving SAP ecosystem integrations and dark store operations across 81 cities, focusing on business transformation and financial efficiency. Key Achievements & Enterprise Impact: πŸ“Š Financial Process Transformation: Spearheaded the SAP FICO module integration, slashing month-end financial closing cycles from 6 days to 1.5 days and reducing manual finance workloads by 60% through automated reporting workflows. βš™οΈ Inventory & Supply Chain Optimization: Devised a real-time SAP MM integration, achieving a 21% reduction in order cancellations by seamlessly synchronizing inventory management with the front-end ordering system. πŸ” Operational Visibility & PIM: Led the end-to-end development of a real-time Product Information Management (PIM) platform, resulting in a 15% increase in inventory accuracy and total warehouse stock visibility. πŸ‘₯ User-Centric Internal Tools: Adopted a hands-on product discovery mindset by shadowing dark store and delivery operations , utilizing first-hand user insights to optimize the internal picking app's UX and accelerate onboarding time for warehouse staff. πŸš€ Scale, Reach & High Concurrency: Managed complex product requirements for an enterprise platform supporting 7,000+ SKUs and nationwide logistics, ensuring stable, high-concurrency data synchronization between legacy architectures and modern digital systems.