Freelance
Product Management
Consultant
Product Strategy | Agile Execution | API Ecosystems | Digital Payments | SaaS
I help companies build and scale API-driven products, digital payment solutions, and SaaS platforms. With 12+ years in fintech and insurance, I bring hands-on expertise in product strategy, agile execution, and business analysis to drive impactful results.
How I Can Help
Product Management Expertise
- Product Strategy & Roadmaps – Define and execute product vision
- Agile Execution – Work hands-on in agile teams (Scrum/Kanban)
- Requirements & Prioritization – Translate business needs into actionable backlogs
- Product Discovery – Drive user research, validation & MVP development
- Cross-functional Leadership – Align stakeholders across business & tech
- Go-to-Market & Scaling – Ensure smooth product launches and adoption
Industry & Technical Expertise
- API Ecosystems & Strategy – API governance, lifecycle management & monetization
- Digital Payments & Fintech – Payment processing, acquiring, compliance (PSD2, GDPR, DORA)
- SaaS & Multi-Tenant Platforms – Product-led growth & scalable architectures
- B2B Software & Data Analytics – Building enterprise-grade solutions with actionable insights
Product Strategy & Execution
- Product vision, roadmaps & OKRs
- Agile methodologies (Scrum, Kanban, SAFe)
- User research, MVP development & iterative discovery
Business Analysis & Requirements Engineering
- Translating complex requirements into actionable product roadmaps
- Defining user stories, data models & workflows
- Leading workshops & stakeholder alignment
- Supporting Product Owners in technical projects and acting as a Technical PO where needed
Interim Product Leadership
- Ensuring seamless product leadership during extended absences, such as parental leave or illness, maintaining momentum on key initiatives
- Quickly integrating into teams to minimize disruption and keep product development on track
- Scaling teams & agile product organizations
- Coaching teams on best practices
Industry-Specific Expertise
- API Governance & Monetization – Managing API lifecycles & integrations
- Payments & Fintech – Payment processing, card issuing and acquiring, alternative payment methods, value-added services (VAS), gift cards, loyalty programs, and merchant incentives
- SaaS & Enterprise Platforms – Multi-tenant solutions & B2B software
Selected Projects
API Marketplace SaaS
Led the development of an API marketplace used by regulated industries, ensuring compliance with industry-specific regulations like DORA and GDPR, enterprise governance frameworks and approval processes. The platform powers BiPRO Hub, Germany’s central hub for data exchange in the insurance industry. Integrated real-time analytics, CRM, and security and subscription management.
SaaS Gift Card Platform
Developed a multi-tenant SaaS platform for digital gift cards, adopted by ÖBB, Austria’s national railway, to enhance customer engagement and retention.
Value-Added Services Platform for Loyalty & Cashback
Built a comprehensive loyalty and cashback platform, supporting both card-linked and standalone programs, used by leading Mobile Network Operators in Europe and Group Berjaya in Malaysia for their „B Infinite“ loyalty program, to drive user retention and merchant incentives.
Mobile Payment Apps for Europe’s Largest MNOs
Led the development and launch of white-label mobile payment apps for major telecom providers, including Vodafone, Deutsche Telekom, Telefonica and Orange, enabling seamless NFC-based payments.
Testimonials
“Wolfgang brings a lot to the table as a strategic thinker (…) building out the country strategy for Germany, but also jumped in to individual product management in an Agile development lifecycle to deliver to individual European Product sets. He has a great understanding of payments and is both technically sound and commercially minded to round out any great team in software development! Thoroughly enjoyed working with Wolfgang and hope to be able to do so in the future again!”
Wally Mlynarski, Head of Merchant Solutions, Bank of America
“Wolfgang was my direct manager and primary mentor on Product Management at apinity. (…) Given the complex product and domain, it was such an asset to have Wolfgang’s sharp detail-oriented mind to help breakdown and structure complex concepts especially during the Product Discovery stage where a mix of creativity and attention to detail is needed. (…)
I would definitely recommend Wolfgang, not only for his Product Management experience but for being a solid all-around guy who’s fun to work with and is a teamplayer. Would gladly work with Wolfgang again in the future if the opportunity arises”
Ameer Abdulsalam, Product Manager, apinity
„Wolfgang is an exceptionally talented and experienced Payments Professional, hugely knowledgeable in European Acquiring, eCommerce, Mobile, and Value Added Services. Hugely passionate and strategic, Wolfgang is able to lead, manage, innovate and develop Products, Solutions and Strategies, at a Market, Company or Segment level. (…) He was never afraid to roll up his sleeves, lead and motivate others, champion innovative solutions, and challenge us all to be the best we could be. Wolfgang possesses a depth of technical payments expertise, commercial competence, and team management skills that make him a tremendous asset to any company. I would highly recommend.“
Emma Anderson, Head of Currency Products, Planet
About Me
Born in Munich, I began my career in advertising and marketing before transitioning to product management at Wirecard in 2012. Since then, I’ve led product initiatives in payment processing and built Germany’s first API marketplace for the insurance industry with a Munich Re subsidiary.
Outside of work, I’m an avid rock climber and cyclist, exploring the Alps and beyond. I also have a passion for food, wine, travel photography and electronic music.
Get in Touch
Get in touch
Whether you’re ready to start a project or just have a question, I’m here to help. Drop me a line, shoot me an email, or fill out the form below, and I’ll get back to you as soon as I can.
Imprint
Location: Frankfurt, Germany
Email: mail@wolfgangheinz.com
Phone: +49 176 21755136
Wolfgang Heinz
Homburger Str. 34
60486 Frankfurt am Main
Germany
Responsible for content: Wolfgang Heinz