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Chief Product Officer

UMO
Dubai, UAE
Full-time
Executive
Onsite
Discovered 3 days ago
Product strategy and lifecycle ownershipRegulated financial productsFintechCrypto systemsDigital banking and neobank infrastructureAgentic capabilities and architecture

Full Job Posting

About UMO

UMO is a stealth-mode fintech venture building an AI-powered financial platform across fiat, crypto, and investments, subject to regulatory approvals.

The company has more than 100 people across 20-plus nationalities, is headquartered in the UAE, and has offices in Portugal and Ukraine.

Platform architecture, licensing groundwork, and team formation are already underway.

Role overview

The Chief Product Officer will own the global product ecosystem from the initial licensable product through an agentic financial platform.

The role partners directly with founders on strategic direction and operates with autonomy.

Responsibilities

  • Own the end-to-end lifecycle of regulated financial products, from concept to launch.
  • Build and lead the product organization by hiring, mentoring, and growing talent and establishing a high-performance, data-literate culture.
  • Architect an autonomous-agent-ready financial ecosystem and incorporate deterministic safety into money-related flows.
  • Protect delivery timelines and product quality through deliberate scope management, focusing on the minimal licensable product.
  • Treat regulation, compliance, and audit obligations as core product inputs.
  • Partner with the CTO on technical feasibility and organizational commitments.
  • Communicate product vision, customer needs, and strategic rationale across the company.
  • Own the product roadmap and organization, report to the founders, and commit to measurable outcomes and core OKRs.

Experience and capabilities

  • Experience building and shipping regulated financial products from zero to one in fintech, a crypto exchange, a custodian, or digital banking.
  • Exposure to compliance frameworks such as VARA, MiCA, EMI, or PI, and strict licensing processes.
  • Practical understanding of agentic capabilities, architectural pitfalls, and the agentic-deterministic bridge for money-path safety.
  • Fluency across crypto systems, traditional banking, and modern neobank infrastructure.
  • Professional spoken and written English for communication across global offices.

Bonus experience

  • Founder or early product-leader experience at a regulated fintech startup is a bonus.
  • Bringing a live, agentic-first product to market is a bonus.
  • Daily use of AI agents or personal documentation systems to support operational delivery is a bonus.

UMO offering

  • The role includes full ownership of the product organization and roadmap, reporting directly to the founders.
  • A meaningful equity stake is offered in a venture being built from zero to one.
  • The work directly shapes product and company direction.

Location and flexibility

  • Candidates may base themselves in Lisbon, Dubai, Kyiv, or Lviv; remote work is also possible for the right fit.

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