Available for product roles & contract work

Martyna Kostrowicka

Product Manager - Fintech, SaaS & Sustainability

I build and ship user-centric products. I've worked across fintech platforms, SaaS tools, and sustainability tech - from user research and roadmapping to taking a product from zero to launch. I bring structure to ambiguity and make sure what gets built actually solves the problem.

7+ Years in Tech
5+ Industries
0→1 Product Co-Founded
4 Languages Spoken

Background

I trained as a chemical engineer - my Master's was in Chemical Process Technology at Gdansk University of Technology. That background taught me to think in systems: decompose complexity, analyze root causes, and optimize for outcomes. It's the same lens I bring to product work.

I moved into tech through business analysis at Nestlé and smart cities consulting at IrRADIARE, then spent 2.5 years at Clockworx as Product Marketing Manager - running client roadmaps, conducting user interviews, leading marketing campaigns, and improving internal processes. At Alviere, I spent another 2.5 years as Product Data Manager on a microservice-based fintech platform for global payments and branded cards - leading a platform reskin, building a compliance tool, and setting up role-based access controls. In 2024, I co-founded Emmy, a CO2 calculator for Dutch farmers, taking it from idea to a working product with a carbon credit trading feature. Most recently at COCUS, I worked as Senior Product Manager on a microservices migration and digital transformation of finance workflows.

I work at the intersection of user research, business requirements, and technical execution. I'm comfortable running discovery interviews, writing specs, aligning stakeholders, and working closely with engineering and design. I value clarity over process and outcomes over output.

I'm currently looking for product roles where I can own a roadmap, be close to users, and ship work that makes a measurable difference.

Based in

Portugal (Remote-first)

Languages

English (Fluent), Polish (Native), Portuguese (Working), German (Basic)

Education

MEng Chemical Process Technology - Gdansk University of Technology

Digital Product Management - Nuclio Digital School

Certifications

Software Product Management • Enterprise Design Thinking • Digital Product Manager • Customer Success Management

Where I add value.

Whether you need a product manager to own a roadmap, someone to set up discovery and research practices, or hands-on help shipping features - here's what I can take on.

01

Product Management

The situation: You need someone to own a product area - define priorities, write requirements, work with engineering and design, and make sure what ships actually moves the metrics that matter.

What I do:

  • Own and maintain the product roadmap (outcome-based, Now / Next / Later)
  • Write user stories with clear acceptance criteria
  • Run sprint planning and stakeholder alignment
  • Define and track OKRs and success metrics

Track record: Managed product at a fintech SaaS platform for 2.5 years (Alviere). Led product for a microservices migration at COCUS. Built roadmaps for clients at Clockworx.

02

User Research & Discovery

The situation: Your team is building based on assumptions or stakeholder opinions. You need someone to talk to users, map their journeys, and turn findings into prioritized opportunities.

What I do:

  • Plan and conduct user interviews
  • Customer journey mapping and pain point identification
  • Jobs-to-be-done analysis
  • Prioritized opportunity backlog grounded in evidence

Track record: Ran user interviews at Clockworx and Alviere that directly shaped product and design decisions. Built Emmy's V1 based on direct farmer research.

03

Process Improvement & Workflow Design

The situation: Manual workflows, inefficient handoffs, or legacy processes are slowing your team down. You need someone to audit what's broken and design something better.

What I do:

  • Workflow audit and process mapping (BPMN)
  • Identify bottlenecks and propose improvements
  • Implementation planning with phased rollout
  • Documentation and team enablement

Track record: Ran workflow audits at Clockworx that led to company-wide process improvements. Modernized finance workflows at COCUS. Built automation for release notes and event registration.

04

Data Analysis & Product Analytics

The situation: You have data but no one turning it into product decisions. You need someone who can query databases, analyze user behavior, and translate numbers into action.

What I do:

  • SQL queries and data analysis (PostgreSQL, Python, R)
  • Define north star and supporting metrics
  • Build dashboards that prompt decisions, not just display numbers
  • A/B test design and analysis

Track record: Data analysis at Semapa and Nestlé. Hands-on with SQL, Python (Pandas), and R (ggplot). Elasticsearch experience at Alviere.

Problems I've solved.

Fintech • Embedded Finance • 2.5 years

Platform Reskin, Access Controls & Compliance Tooling for a Global Payments Product

Alviere - Embedded finance platform ($70M funded) enabling enterprises to offer payments, branded cards, and cross-border remittances across 100+ countries. Offices in Denver, Lisbon, London, and New York.

Challenge

Alviere's HIVE platform - serving enterprise clients for global payments, branded cards, and cross-border remittances - had an inconsistent UI, no design system, fragmented user permissions, and no dedicated compliance tooling. Support ticket volume was rising and onboarding was painful for a product handling complex financial flows.

My Role (Product Data Manager)

Led the platform reskin with the design team, resulting in a design system adopted company-wide. Strengthened user access control with role-based permissions. Built a dedicated compliance management tool for the compliance team. Ran user workshops and created training resources to improve adoption. Transitioned customer support to a more efficient IVR system.

Results

  • Reduced support ticket volume through better onboarding and self-service resources
  • Design system improved UI consistency and sped up feature delivery
  • Role-based permissions improved security and governance
  • Compliance team gained dedicated tooling, improving reporting accuracy
  • New IVR system reduced customer wait times

Lesson learned

In a regulated fintech environment, user-facing improvements and compliance tooling need to move in lockstep. Building the compliance tool alongside the reskin meant the compliance team didn't get left behind when the product evolved - and it taught me that internal tools deserve the same product rigor as customer-facing ones.

Sustainability • 0-to-1 • Co-Founder

CO2 Calculator & Carbon Credit Marketplace for Dutch Farmers

Emmy - Digital CO2 calculator built for Dutch farmers to track carbon emissions and trade credits, helping them avoid regulatory fines under EU carbon credit limits.

Challenge

Farmers in the Netherlands face regulatory fines for exceeding carbon credit limits, but had no accessible tool to track and manage their CO2 emissions. Existing farm management systems didn't provide carbon-specific insights or actionable guidance.

My Role (Co-Founder)

Co-founded Emmy and drove the product from concept to launch over 7 months. V1 integrated with existing farm management systems to provide weekly/monthly carbon tracking and educational insights. V2 added a peer-to-peer carbon credit trading feature so farmers could exchange credits among themselves.

Results

  • Shipped a working product in 7 months from zero
  • Integrated with existing agricultural management systems
  • Built a carbon credit exchange marketplace as V2
  • Gave farmers a way to monitor emissions and avoid regulatory fines

Lesson learned

Building for a non-technical user base taught me that education has to come before functionality. V1 focused on making carbon data understandable before V2 added the trading marketplace. If users don't understand what they're looking at, more features just add confusion. Starting with education-first onboarding was the right call.

Digital Solutions • IT Services • 7 months

Microservices Migration & Finance Workflow Modernization

COCUS - IT solutions and digital transformation company (Dusseldorf & Porto) serving DAX and Fortune 500 clients. Specializes in 5G, IoT, software development, and AI solutions. ISO 27001 certified.

Challenge

COCUS needed to migrate to a microservices architecture to improve system scalability for its growing enterprise client base, while also modernizing internal finance workflows that were creating bottlenecks in operations.

My Role (Senior Product Manager)

Led the product side of the microservices migration, collaborating with engineering, design, and cross-functional teams. Prioritized new features aimed at revenue growth and improved user experience. Drove digital transformation initiatives for finance workflows.

Results

  • System scalability improved by 21%
  • Shipped new features focused on revenue and user experience
  • Finance workflows modernized, reducing manual processing

Lesson learned

Architecture migrations are as much a communication challenge as a technical one. The product side of this work was about surfacing dependencies early, keeping stakeholders honest about what was committed vs. aspirational, and making sure feature work didn't get blocked by infrastructure changes. Proactive dependency tracking made the difference.

SaaS • Business Orchestration • 2.5 years

Product & Marketing at a Business Orchestration Platform

Clockworx - Business orchestration and automation platform for machinery, automotive, and industrial sectors. Integrates with existing applications to aggregate data flows without re-engineering business processes. Based in Lisbon.

Challenge

Clockworx, a startup building business orchestration software for complex multi-stage industrial environments, needed to improve its core product, manage client relationships, and run marketing - with a small team where everyone wore multiple hats.

My Role (Product Marketing Manager)

Created and groomed client roadmaps. Conducted customer interviews to identify pain points. Ran workflow audits and process modeling (BPMN) to propose improvements. Led marketing campaigns end-to-end. Served as single point of contact for a key client. Built a release note automation system and a bespoke event registration platform.

Results

  • Internal and client-facing process improvements adopted company-wide
  • Automated release note distribution to clients
  • Shipped a custom event registration system with web components and email notifications
  • Deepened key client relationship as long-term point of contact

Lesson learned

Working at a startup where you're responsible for product, marketing, and client relationships at once taught me that the fastest path to product insight is through direct client contact. Being the single point of contact for a key client meant I heard their frustrations in real time - not filtered through a support team. That closeness made prioritization decisions much clearer.

What I bring to the table.

Discovery & Research

Finding the right problem before building the solution.

User Interviews Jobs to Be Done Journey Mapping A/B Testing Problem Validation

Strategy & Roadmapping

Turning business goals into a focused product direction.

Product Roadmaps OKRs Prioritization Go-to-Market Competitive Analysis

Technical & Data

Hands-on with data. No waiting for someone else to pull numbers.

SQL / PostgreSQL Python / Pandas Elasticsearch R / ggplot BPMN Process Modeling

Design & UX

Collaborating with design, not handing off briefs.

Figma Design Systems Prototyping UX/UI SEO

Delivery & Execution

Shipping on time with the right scope.

Agile / Scrum Jira & Confluence Stakeholder Management Cross-functional Leadership

Domain Knowledge

Deep experience in regulated and technical industries.

Fintech & Payments SaaS Platforms Sustainability / AgriTech Enterprise Operations

How I Work

The principles I apply - from discovery to launch.

Discovery

  • Talk to users weekly - not just at kickoff
  • Watch behavior, don't just collect opinions
  • Problem validation before solution validation
  • Jobs to be done: what's the user trying to accomplish?

Prioritization

  • Say no more than yes - focus is a feature
  • Stakeholder pressure isn't priority
  • "Everything is P1" means nothing is
  • Revisit when context changes

Roadmapping

  • Outcomes over outputs
  • Now (committed), next (planned), later (possible)
  • Surface dependencies early
  • Stale roadmaps destroy trust - update them

Requirements

  • User stories: who, what, why - not how
  • Acceptance criteria define done
  • Edge cases upfront, not in QA
  • Good enough now beats perfect later

Collaboration

  • Context over directives with engineering
  • Research together with design, don't hand off
  • Spec before sprint, not during
  • Data calms opinion battles with stakeholders

Launch & Metrics

  • Success criteria defined before launch
  • Rollback plan before rollout
  • One north star metric, 2–3 supporting
  • Post-launch review: what worked, what didn't

What I bring that's different.

Engineering Background

My Master's in Chemical Process Technology trained me to think in systems - decompose problems, analyze root causes, and design processes that work. That's a different starting point than most people in product, and it shows in how I approach requirements and technical conversations.

Built a Product From Scratch

Co-founding Emmy gave me the experience of taking a product from zero to launch: finding the problem, validating it, defining the MVP, building it, and iterating. I've felt the pressure of shipping with limited resources and a real deadline.

Cross-Industry Experience

Fintech (Alviere), SaaS platforms (Clockworx), sustainability (Emmy), enterprise operations (Nestlé), smart cities (IrRADIARE). I've seen how different industries approach similar problems, and that breadth helps me spot patterns and avoid reinventing the wheel.

Hands-On With Data

I write SQL, analyze data in Python and R, and have worked with Elasticsearch. I can pull my own numbers, build my own analyses, and ground product decisions in actual data rather than waiting for someone else to do it.

Multilingual & Multicultural

Native Polish, fluent English, working Portuguese, basic German. I've worked across countries (Poland, Portugal, Spain, Netherlands) and am comfortable collaborating with distributed, international teams.

Full Range: Research to Delivery

I can run discovery interviews, write specs, create roadmaps, align stakeholders, and work with engineering through to launch. I don't specialize in just one part of the product lifecycle - I'm useful end to end.

Let's talk.

I'm looking for product roles where I can own a roadmap, stay close to users, and work with a team that cares about shipping the right things. If you're hiring for product management, user research, or process improvement - I'd like to hear about it.

Open to full-time, contract, and remote work across Europe.

Currently based in Portugal. Available for remote work globally and on-site across Europe.