About

Paola Luyo

Founder of OXYGEN23. 22+ years in fintech and financial services.

Brussels, BelgiumFR · EN · ES · PT

My story

Paola Luyo presenting a product management talk — Speaking on product management

I have built more than 22 years of experience in fintech and financial services, moving through leadership roles in customer experience, operations, partnerships, product and general management.

As Chief Product Officer, I led product teams and the design, launch and evolution of digital financial services. Most recently, as Country Manager Belgium, I was responsible for business performance, market development and a team of more than 60 people.

As Country Manager, I helped transform the Belgian business from −5% to +13% P&L performance within 24 months, while driving growth across key products and revenue streams.

Today, I bring this combination of product expertise, business leadership and hands-on execution to founders, startups and fintech companies looking to launch, improve or scale their products.

360°A view grounded in experience: customers, operations, partnerships, management and product.

“I see a product not only as something to build, but as a business: it has to solve real customer needs, work operationally, scale and deliver measurable results.”

Career path

Head of Customer Experience

I learned the business from the customer side. I created the department and grew the teams from one country to seven.

Head of Operations & Partnerships

I made products work in real life: operations and the partner network behind them.

Chief Product Officer

I led product teams and the design, launch and evolution of digital financial services.

04 · Most recently

Country Manager Belgium

I owned business performance and market development, with a team of more than 60 people.

International experience

Markets

More than two decades in an international fintech environment, working across cultures with teams, partners and customers in Europe and international markets.

Projects

Digital product development, launches and optimisation, digital banking, payments and money transfers, operational transformation, customer experience, partnerships and growth.

Product leadership

From idea to execution: product strategy and MVPs, improving existing products, and coordinating business and technology teams to turn a vision into delivery.

Executive leadership

Product, operations, partnerships and general management, connecting product decisions to customer value, operational reality and commercial performance.

Put my experience on your side.

Let’s talk→