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Product Owner · Product Manager — Freelance

I turn business complexity into products that hold up in production.

7+ years on critical platforms in banking, insurance and energy. I align business, IT and operations — and weave generative AI into framing, specification and delivery, to ship faster without easing up on rigor.

Available for freelance assignments · Paris, France · available for assignments

Pierre Karaa
Jira Confluence Swagger Postman ELK MongoDB

Trusted on missions — delivered via Capgemini

  • Matmut
  • Crédit Agricole L&F
  • Arval — BNP Paribas
  • Wekiwi
  • Capgemini
7+
years in product
50k+
users served
−20%
processing time
20+
business / IT workshops

01 — About

Profile

A results-driven Product profile, at home in demanding, regulated environments.

A product profile that's both strategic and hands-on: I set the product vision and strategy — and I drive delivery in direct contact with the tech and design teams, from framing to release. My turf: API platforms and critical systems in banking, insurance and energy, where business, IT and operations must align in regulated environments. Over 7+ years I've modernized a critical application used by 50,000+ employees and owned B2B/B2C products end-to-end. On my current mission I functionally coordinate a team of business analysts / API designers, and I contributed strongly to and implemented a generative-AI pipeline (GitHub Copilot), now in production, that accelerates specification and development — without easing up on rigor.

02 — Track record

Experience

Assignments delivered via Capgemini, from framing to production.

  1. Matmut · via Capgemini

    2025 — Now

    Lead Business Analyst · Life insurance · B2B/B2C

    • Own the API & integration scope in the redesign of a B2B/B2C life-insurance platform.
    • Structure and prioritize the API backlog: framing, specification, user stories.
    • Functionally coordinate a team of ~5 IT Business Analysts / API designers.
    • Implemented a generative-AI pipeline (GitHub Copilot) accelerating specification and development — now in production.
  2. Crédit Agricole Leasing & Factoring · via Capgemini

    2023 – 2025

    Lead Business Analyst · Critical system modernization

    • Led the modernization of a 20-year-old critical application used by 50,000+ employees.
    • Coordinated 3 Business Analysts and facilitated 20+ business/IT workshops in Agile.
    • Contributed to governance & arbitration forums; −20% processing time.
  3. Arval — BNP Paribas Group · via Capgemini

    2021 – 2023

    Product Owner · Vehicle quotation · Europe

    • Owned the roadmap & backlog for a European vehicle-quotation transformation program.
    • International squad of 4 developers (B2B/B2C); managed a software-provider relationship.
    • Value-based prioritization; improved quotation speed and reliability.
  4. Capgemini

    2021 — Now

    Senior Consultant & Manager · Digital transformation

    • Digital-transformation assignments as Product Owner or Lead Business Analyst.
    • Manages up to 5 consultants.
  5. Uppli

    2019 – 2021

    Product Owner · Energy · B2C

    • Launched Wekiwi's first subscription website & customer portal (energy) in France.
    • Owned the backlog; coordinated 5 developers and 1 UX/UI designer.
    • Functional framing, testing, QA and release of a B2C portal — delivered from scratch.

03 — Services

Services

Two ways to work together: day-rate, embedded in your team — or fixed-price, on a defined deliverable.

Day-rate Embedded in your squad, I take product ownership, from framing to delivery.

Product Owner / Manager, day-rate

I embed in your squad and own the roadmap through delivery — on API platforms and critical systems in regulated environments, with generative AI woven into day-to-day framing, specification and delivery to ship faster.

On request · from 10 days/month

  • Roadmap & backlog ownership, value-based prioritization
  • Agile cadence: specs, testing, QA, release
  • API & platform product management, critical-legacy modernization
  • AI-augmented delivery (GitHub Copilot)
  • Business ↔ IT ↔ operations interface
Fixed-price A precise need, a defined deliverable, a stated price.

Audit — Diagnosis & action plan

From €3,500

A clear-eyed assessment of your product and delivery — backlog, prioritization, discovery→delivery flow, API/integration debt, organization — with an actionable roadmap.

  • See clearly what is really blocking delivery
  • Quick wins you can act on immediately
  • A sequenced, defensible 90-day trajectory

You receive · Diagnostic report (15–25 p.), product-maturity scorecard, prioritized 90-day action plan and a readout workshop.

The diagnosis can extend into an ongoing engagement.

Product framing / discovery

From €6,000

I turn a fuzzy idea or need into a ready-to-build scope: problem, users, business goals, a v1 backlog and the specs for the first increment.

  • Align business, IT and ops on one direction
  • De-risk delivery before the first line of code
  • A scoped, prioritized, measurable MVP

You receive · Framing note, prioritized v1 product backlog, MVP scope + KPIs, phased roadmap and functional specs for the first increment.

API & platform — Blueprint & modernization plan

On request

My specialty: scope the target API/integration surface and chart a sequenced modernization plan for a critical system — strangler approach, dependencies, risks and security.

  • A clear, contracted target API/integration surface
  • A step-by-step modernization path, no big bang
  • Dependencies, risks and security mapped

You receive · Target API surface (OpenAPI/Swagger draft), specs for critical journeys, sequenced modernization plan (strangler) + risk map and integration strategy.

04 — Expertise

Skills & tools

The product core, the domain ground and the day-to-day toolbox.

Product

  • Product Ownership / Management
  • Roadmap & backlog management
  • Value-based prioritization
  • Discovery → delivery
  • Stakeholder management
  • Change management
  • Agile (Scrum / Kanban)

Domain & systems

  • Banking · Insurance · Energy
  • Critical systems
  • B2B / B2C platforms
  • API & integration
  • Legacy modernization
  • Business / IT coordination
  • International teams & projects

Analysis

  • Requirements gathering
  • Functional specifications
  • User stories
  • Process modeling (BPM, UML)

Tools

  • Jira
  • Confluence
  • Swagger
  • Postman
  • Apigee
  • ELK
  • MongoDB
  • SQL
  • REST APIs
  • JSON
  • XML
  • BPM
  • UML

Languages

  • French — native
  • English — fluent (professional)

05 — Credibility

Certifications & education

Proof in credentials: certified product ownership and trained leadership.

PSPO II

Scrum.org

2025

PSPO I

Scrum.org

2021

Connected Manager

Harvard (Capgemini program)

2024

ECAM Lyon

Engineering degree

2019

A product to lead, a deliverable to scope?

Day-rate or fixed-price — let's talk about your need. I reply within 24 hours.

07 — Contact

Contact

A project, an idea, a question? Let's talk.

A project, an idea, a question? Let's talk.

Send

or directly pierrekaraa.pro@gmail.com