Hanna Winkelmann - Product Owner | Risk & Data Analytics

Q: Where is Hanna based?

Hanna is based in Braunschweig, Germany .

Q: What languages does Hanna speak?

Hanna speaks the following languages: German (Native), Polish (Native), English (Advanced), Portuguese (Elementary) .

Q: How many years of experience does Hanna have?

Hanna has at least 21 years of experience. During this time, Hanna has worked in at least 6 different roles and for 5 different companies . The average length of individual experience is 4 years and 6 months . Note that Hanna may not have shared all experience and actually has more experience.

Q: What is Hanna's latest experience?

Hanna's most recent position is Product Owner | Risk & Data Analytics at Freelancer .

Q: What companies has Hanna worked for in recent years?

In recent years, Hanna has worked for Freelancer and Volkswagen Financial Services .

Q: Which industries is Hanna most experienced in?

Hanna is most experienced in industries like Banking and Finance , Information Technology (IT) , and Manufacturing .

Q: Which business areas is Hanna most experienced in?

Hanna is most experienced in business areas like Business Intelligence , Project Management , and Finance . Hanna also has some experience in Product Development , Information Technology (IT) , and Quality Assurance (QA) .

Q: Which industries has Hanna worked in recently?

Hanna has recently worked in industries like Banking and Finance and Information Technology (IT) .

Q: Which business areas has Hanna worked in recently?

Hanna has recently worked in business areas like Business Intelligence , Product Development , and Project Management .

Recommended expert

Braunschweig, Germany

Experience

Jan 2023 - Present

3 years 2 months

Product Owner | Risk & Data Analytics

Freelancer

Designed and implemented IT and operational resilience strategies aligned with DORA and GDPR, using GenAI tools for automated gap analysis and compliance mapping, achieving a 35% improvement in audit readiness by defining clear user stories in JIRA to drive regulatory feature delivery across engineering teams.
Led a digital transformation initiative to optimize user experience in core systems, achieving a 45% increase in user satisfaction and a 35% boost in system efficiency. Directed cross-functional teams to build cloud-based data analytics products, integrating GenAI models such as NLP for regulatory text analysis and predictive risk scoring, enhancing risk assessment and reporting accuracy by 30% and reducing operational costs by 40%.

Jan 2018 - Dec 2022

5 years

Program Leader Credit Decision Platform – Credit Risk

Volkswagen Financial Services

Spearheaded product vision and execution for a Credit Decision Platform across 13 global markets, enhancing credit risk analytics and reducing operational costs by 45% through automation and advanced analytics.
Led a cross-functional team to implement Agile methodologies, resulting in a 25% increase in project delivery efficiency and a 20% improvement in stakeholder satisfaction.
Defined product roadmaps, prioritized backlogs, and coordinated cross-functional teams, resulting in a 25% improvement in project delivery efficiency.
Engaged executive leadership with strategic reporting and data-driven recommendations, introducing risk frameworks to align with business goals and regulatory compliance.

Jan 2014 - Dec 2018

5 years

Senior Risk Manager

Volkswagen Bank GmbH

Developed and automated data analytics solutions for risk assessment and reporting, enhancing compliance by 35% and reducing operational costs by 40%.
Acted as a Business Architect for the AdRisk application, ensuring alignment between business needs and IT delivery, improving project delivery efficiency by 25%.
Led initiatives to integrate advanced risk modeling techniques into business operations, achieving a 25% increase in project delivery efficiency and enhancing stakeholder satisfaction.

Jan 2012 - Dec 2014

3 years

United Kingdom

Lead Strategy Test Analyst

Barclays

Led test project for validated data and business rules for the New Customer Requirement Platform for credit issuing and lending, ensuring compliance and accuracy.
Enhanced testing and QA methodologies, boosting analytics product quality by 30% and reliability by 25%.
Introduced Agile practices, achieving a 25% faster project delivery rate and significantly improving stakeholder satisfaction.

Jan 2007 - Dec 2011

5 years

SAS Project Manager

Volkswagen Financial Services

Led projects in the field of risk management (application and behaviour scoring) using the SAS Credit Scoring (SAS-CS).
Optimized ETL processes and performance, increasing automation in the scoring process.
Integrated and steered external consultants by guiding project management tasks from planning to implementation to testing and go-live support, release-, milestone- and resource planning.

Jan 2005 - Dec 2007

3 years

System Analyst

IAP GmbH

Analyzed factory planning processes and demonstrated optimization potential.
Developed a theoretical model for optimization of plant design based on the software Comm&Work.

Industries Experience

See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.

Experienced in Banking and Finance (16 years), Information Technology (3 years), and Manufacturing (3 years).

Banking and Finance

Information Technology

Manufacturing

Business Areas Experience

The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.

Experienced in Business Intelligence (19 years), Project Management (14 years), Finance (10 years), Product Development (8 years), Information Technology (3 years), and Quality Assurance (3 years).

Business Intelligence

Project Management

Finance

Product Development

Information Technology

Quality Assurance

Summary

I am a data-driven Product & Project Manager with a strong background in analytics, digital transformation, and AI-powered automation. With broad experience in banking, lending, risk, and compliance, I bridge business strategy with technology to deliver impactful, data-driven solutions. I have led cross-functional international teams and translated complex data into clear, actionable insights. I thrive in dynamic environments, solve complex problems with structure and clarity, and collaborate closely with stakeholders to drive strategic outcomes at scale.

Passionate about traveling, hiking, and yoga as ways to recharge and gain fresh perspectives. Curious by nature – I enjoy reading books on personal growth, psychology, and emerging trends in AI & Fintech. I also regularly attend startup and tech meetups to stay connected with innovation, and I love exploring new food cultures wherever I go.

Skills

Advanced Analytics & Insights: Expertise In Descriptive, Predictive And Prescriptive Analytics; Proficient In Sql, Python And Sas; Translating Complex Data Into Actionable, Strategic Recommendations.
Strategic Consulting & Problem Solving: Structured Thinker With Experience Across Industries; Skilled In Framing Business Problems, Designing Solutions, And Delivering Client Value Through Data.
Data Storytelling & Visualization: Clear Communicator Of Insights; Advanced Powerpoint And Storytelling Skills; Hands-on With Tableau And Power Bi.
Certified Project & Product Leadership: Certified Project Manager (Prince2), Scrum Product Owner, And Scrum Master; Experienced In Managing Cross-functional, Agile Teams And Leading Workstreams Across Global Projects.
Stakeholder & Change Management: Trusted Collaborator With Internal And External Stakeholders; Strong Interpersonal Skills And Stakeholder Engagement In Complex Environments.
Agile Work Ethic: Proactive, Results-oriented, And Resilient; Thrives In Dynamic, Deadline-driven, International Environments.

Languages

German

Native

Polish

Native

English

Advanced

Portuguese

Elementary

Education

Oct 1999 - Jun 2005

Technische Universität Braunschweig

Master of Business Information and Management Systems · Business Information and Management Systems · Braunschweig, Germany

Oct 1997 - Jun 1999

Nicolaus Copernicus-University in Torun

Bachelor of Economics · Economics · Toruń, Poland

Certifications & licenses

Certified Program Leader Credit Decision Platform – Credit Risk

Certified Scrum Product Owner®

Scrum Alliance

GIAC Python Coder (GPYC)

University Of Michigan

PRINCE2 Agile® Project Management Certification

SAS Certified Base Programmer For SAS 9

Scrum Master

Scrum Alliance

Profile

Created

July 2025

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Hanna based?

Hanna is based in Braunschweig, Germany.

What languages does Hanna speak?

Hanna speaks the following languages: German (Native), Polish (Native), English (Advanced), Portuguese (Elementary).

How many years of experience does Hanna have?

Hanna has at least 21 years of experience. During this time, Hanna has worked in at least 6 different roles and for 5 different companies. The average length of individual experience is 4 years and 6 months. Note that Hanna may not have shared all experience and actually has more experience.

What roles would Hanna be best suited for?

Based on recent experience, Hanna would be well-suited for roles such as: Product Owner | Risk & Data Analytics, Program Leader Credit Decision Platform – Credit Risk, Senior Risk Manager.

What is Hanna's latest experience?

Hanna's most recent position is Product Owner | Risk & Data Analytics at Freelancer.

What companies has Hanna worked for in recent years?

In recent years, Hanna has worked for Freelancer and Volkswagen Financial Services.

Which industries is Hanna most experienced in?

Hanna is most experienced in industries like Banking and Finance, Information Technology (IT), and Manufacturing.

Which business areas is Hanna most experienced in?

Hanna is most experienced in business areas like Business Intelligence, Project Management, and Finance. Hanna also has some experience in Product Development, Information Technology (IT), and Quality Assurance (QA).

Which industries has Hanna worked in recently?

Hanna has recently worked in industries like Banking and Finance and Information Technology (IT).

Which business areas has Hanna worked in recently?

Hanna has recently worked in business areas like Business Intelligence, Product Development, and Project Management.

What is Hanna's education?

Hanna holds a Master in Business Information and Management Systems from Technische Universität Braunschweig and a Bachelor in Economics from Nicolaus Copernicus-University in Torun.

Does Hanna have any certificates?

Hanna has 6 certificates. Among them, these include: Certified Program Leader Credit Decision Platform – Credit Risk, Certified Scrum Product Owner®, and GIAC Python Coder (GPYC).

What is the availability of Hanna?

The availability of Hanna needs to be confirmed.

What is the rate of Hanna?

Hanna's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.