Sr. Business Analyst/Product Owner at CloudMoyo

We are looking for a high‑caliber Product Owner / Sr. Business Analyst who can define and drive a business‑first vision to solve one of retail’s most persistent and expensive problems: rebate leakage and unrealized supplier profitability. This role focuses on understanding how rebates actually work in the real world—from contract terms to accruals, claims, settlements, and exceptions—and translating that understanding into clear product direction, workflows, insights, and action loops that help retailers recover margin at scale. You will operate at the intersection of commercial finance, supplier management, contract operations, and analytics, ensuring insights do not stop at dashboards but convert into measurable financial outcomes. The Problem You’ll Own Large retailers manage thousands of supplier rebate agreements, often spread across: • Contracts and amendments • Pricing and margin systems • Accrual and settlement processes • Manual spreadsheets and emailsDespite sophisticated systems, organizations struggle with: • Missed or under‑claimed rebates • Incorrect accruals and margin leakage • Poor visibility into “earned vs claimed vs settled” • Slow, manual reconciliation and dispute cycles • Insights that surface issues but don’t drive actionYour mission is to re‑imagine how rebate intelligence works end‑to‑end—from understanding contractual intent to enabling recovery actions—without being constrained by existing system silos. Key Responsibilities 1. Own the Business Vision • Define a clear product vision for rebate and profitability intelligence focused on margin realization, not reporting • Articulate the “north‑star outcomes” (e.g., recovered margin, cycle‑time reduction, fewer disputes) • Frame the problem in business terms that resonate with Finance, Merchandising, Supplier Management, and Operations2. Deeply Understand Rebate & Commercial Processes • Map real‑world rebate lifecycles: • Contractual terms and eligibility • Accrual logic and assumptions • Claims, settlements, true‑ups, and disputes • Identify where leakage occurs: • Data gaps • Timing mismatches • Interpretation ambiguities • Process breakdowns • Capture nuances such as: • Tiered rebates • MDF programs • Retroactive adjustments • Volume thresholds and exceptions3. Translate Complexity into Simple, Actionable Experiences • Define business workflows that: • Highlight risk, leakage, and anomalies early • Separate signal from noise • Guide users toward specific corrective actions • Specify insights such as: • Earned vs accrued vs claimed variances • Margin leakage indicators • High‑risk suppliers or categories • Ensure insights naturally lead to decisions and actions, not just awareness4. Drive “Insight → Action” Loops • Design clear execution paths once an issue is detected: • Triggering reviews • Initiating claims or recoveries • Escalating disputes • Tracking resolution and financial impact • Define success metrics that go beyond usage: • Recovered dollars • Reduced cycle times • Fewer write‑offs • Improved forecast accuracy5. Partner Across Functions • Work closely with: • Finance & Controllership • Merchandising / Category teams • Supplier management • Legal / Contract teams • Act as the translator between business stakeholders and delivery teams • Validate assumptions through real user workflows, not just documented processesWhat Success Looks Like • Business users clearly understand where money is leaking and why • Leaders trust the system as a source of financial truth • Insights routinely result in claims, recoveries, or process corrections • Rebate operations move from reactive and manual to proactive and intelligent • The organization measures success in realized margin, not reports produced