28.10.2026 aktualisiert
100 % verfügbar
Fractional CPO/Product Leader | FinTech, Payments & Subscription Businesses
Berlin, Deutschland
Nur Remote
Bachelor of Science (Hons), Combined STEM - The Open UniversitySkills
AI AgentsProduct OwnerBusiness AnalysisProduct Lifecycle ManagementFintech
I am a fractional product leader specialising in subscription, payments, and marketplace businesses. I address challenges such as inconsistent renewals across EU markets and implementing AI agents for payments when responsibility for losses is unclear.
I manage regulatory deadlines and growth targets simultaneously.What I've delivered:
- At Audible (Amazon), 2017 to 2023: Led three platform migrations, including the pan-EU PSD2/ MFA program. Represented five EU markets (DE, FR, IT, ES, UK) and managed the Italian rollout.
- At Audible Italy: Developed the experimentation and conversion framework for the acquisition funnel, covering trial-to-paid, cancellation, and retention flows.
- At CRIBISD&B: Launched iCRIBIS, a B2B credit-risk SaaS that reached over 100,000 users in its first year, and introduced a reputation analysis product featuring an early AI engine.Regulation.
I work with: PSD2/SCA, PSD3/PSR, DORA, GDPR, EU AI Act.
How I work: I design compliance as an integral part of the product experience from the outset. In the European context, I believe being “compliance native” is essential for long-term scalability and market trust. I collaborate with clients to embed regulatory expectations and business objectives seamlessly into product architecture from day one. I approach each project from a strategic business perspective: for a corporate card issuer, AI-initiated payments are a product feature; for a European account-to-account scheme, they raise sovereignty concerns. I define scope and identify AI guardrails.I am an advanced AI user, leveraging a range of large language models as copilot and co-creator, with Claude as my primary partner. I remain tool-agnostic, selecting the most effective AI solution for each challenge, whether designing self-assessment workflows, building human-in-the-loop agent pipelines, or developing regulatory audit frameworks. I integrate AI where it adds genuine value, while ensuring critical controls like spending limits and mandate checks remain deterministic and outside the model’s decision boundary.
How to work with me:I offer fractional or interim engagements with fixed scope, working remotely from Berlin for subscription, fintech, marketplace, and healthtech companies across Europe and the USA. Check my free, anonymous self-assessment at mariagraziachetta.com or contact me directly
Erfahrung
Berufserfahrungmehr als 10 Jahre
Freelancer seit2026
Sprachen
DeutschgutEnglischverhandlungssicherFranzösischverhandlungssicherItalienischMutterspracheSpanischGrundkenntnisse
Projekthistorie
Fractional and interim product leadership for subscription, payments, and marketplace businesses in Europe and the US, focused on aligning regulatory deadlines and growth targets within a unified roadmap.
Mandates
- Pre-seed founder, regulated launch: Advised on product and GTM strategy before fundraising. Led MVP validation, created the investor narrative, and defined PSD2 and GDPR requirements.
Practice
- Delivered fixed-scope diagnostics in payments compliance, subscription optimisation, platform migration, and product maturity via anonymous self-assessment scored by an LLM backend, developed using the Claude API and Cloudflare Workers.
- AI regulatory compliance: Scoped EU AI Act, conducted DORA third-party risk assessments for LLM providers, integrated GDPR into AI workflows, and addressed agentic payments.
- Developed technical specimens on agentic payments through scoped engagements, each with a product specification and working prototype. Work included requirements for AI agents to initiate instant account-to-account payments, liability and dispute models for AI-initiated transactions, and pre authorisation guardrails for card-issuing APIs.
- Designed and implemented a multi-agent pipeline with specialised skills and human-in-the-loop supervision at each decision point.
Regulatory scope: PSD2/SCA, PSD3/PSR, DORA, GDPR, EU AI Act Stack: Claude (Code, Cowork, API), MCP, Cloudflare Workers and D1, Python, R, SQL
Led product marketing for the IT marketplace and regulatory transformation across EU markets, driving subscriber growth, retention, GDPR and PSD2 compliance while aligning with global Amazon roadmaps. Defined product vision, strategy and GTM for Audible Italy expansion. Led end-to-end migration to new frontend platform. International Business Partner for Amazon pan-EU PSD2/MFA programme representing 5 EU markets. Designed A/B experiments for trial-to-paid conversion uplift and redesigned cancellation flows improving save rates. Technical execution via Jira/Confluence agile delivery.
Played a pivotal role in launching Audible's presence in the Italian market. Defined product positioning, GTM strategy and execution driving market penetration and subscriber growth through localized strategies aligned with global initiatives. Contributed to audience segmentation, product positioning, brand alignment, and conversion rate optimization framework across the acquisition funnel. Built performance metrics framework and A/B testing infrastructure. Tools: Adobe Analytics, Jira, Confluence, Balsamiq.