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Ronan O.RO

Ronan O.

Fractional CPO/Product Exec | Strategy Consultant

€1,012/day
London, GB
8-15 years

Average response time: 1 hour

About Ronan

⚡Building products that turn complexity into clarity - and strategy into revenue.⚡

I build products that actually move the needle. A product leader with deep experience across fintech, banking, and data platforms, taking ideas from 0→1 and into scale - and making sure they’re commercially real, not just technically impressive.

As CPO at Validis, I led AI-driven financial data products used by major banks across the UK, Europe, and North America, turning messy accounting and transaction data into real-time credit, risk, and assurance intelligence - while helping shift the business to true ARR and meaningful growth.

I care deeply about product craft, culture, and clarity. Calm teams ship better products. Clear strategy beats noisy roadmaps. And great products sit at the intersection of customer need, data, and trust.

Background in SME lending and large-scale banking transformation (Metro Bank, Lloyds). Trained as an architect - still obsessed with systems, form, and responsibility.
If you’re building something ambitious in fintech, data, or AI, and want products that scale with integrity, let’s talk.
  • English

    Native or bilingual

Can work on-site
London (up to 50km)

Experience

  • Validis,
    Chief Product Officer
    July 2023 - August 2025 (2 years and 1 month)
    London, UK
    • Owned end-to-end product vision and roadmap for a financial data and lending intelligence platform used by banks, auditors, and fintechs.
    • Built and scaled data products supporting SME lending, credit decisioning, portfolio monitoring, and financial statement ingestion and extraction.
    • Launched multiple 0→1 products, taking them from concept → prototype → market → scale, with clear commercial outcomes.
    • Delivered AI-core products, including automated document classification and extraction, portfolio intelligence, and customer-facing natural-language insights.
    • Led product strategy across risk, affordability, performance, and compliance-critical data domains.
    • Designed and delivered an API-first platform enabling banks and partners to self-serve data and analytics.
    • Managed product P&L, pricing, and commercial strategy; drove c. 78% YoY revenue growth and transition to 95% ARR.
    • Led and scaled cross-functional product, data, design, and engineering teams.
    • Defined and executed multi-market product strategy, scaling Validis' data and lending products across UK, North America, EMEA, and APAC.
    • Led international product launches and roadmap alignment for global banks, audit firms, and fintech partners.
    AI Automation artificial intelligence Product Development Commercial strategy Product management
  • Validis
    Head of Product
    July 2021 - June 2023 (1 year and 11 months)
    London, United Kingdom
    • Owned end-to-end lifecycle for Validis' core financial data ingestion and analytics platform.
    • Designed and built enterprise-grade APIs to support headless banking and audit propositions.
    • Scaled data extraction, normalization, and analytics capabilities used in lending and assurance workflows.
    • Embedded modern discovery, prioritisation, and delivery practices across product teams.
  • Metro Bank,
    Head of SME Loans
    December 2019 - July 2021 (1 year and 7 months)
    London, UK
    • Owned SME lending proposition across credit risk, affordability, product design, and P&L.
    • Designed digital lending journeys enabling near-real-time credit decisions and rapid funding.
    • Integrated external data sources to support risk models, affordability assessment, fraud, and compliance.
    • Delivered BBLS lending at pace, launching a fully digital journey in six weeks.
    • Worked directly with PRA/FCA/CCA, embedding regulatory and control requirements into product delivery.
    • Managed supplier and data partnerships supporting lending and decisioning workflows

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Education

  • Bachelor of Architecture
    UNIVERSITY OF LIMERICK, SCHOOL OF ARCHITECTURE
    2013
    Bachelor of Architecture

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