Product Owner - Payments and Cards

Job Title: Product Owner – Cards And Payments

Required Technical and Professional Expertise

• 8+ years’ experience in banking payments transformations or implementing new payment systems
• 3+ years’ of experience as a Product Owner or similar role in the payments or financial services domain.
• 5+ years’ experience in building digital payment channels and leading large-scale modernization programs, including the development of microservices, API frameworks, and BIAN APIs.
• Strong understanding of payment systems, processing, and industry trends (e.g., ISO 20022, digital wallets, payment gateways).
• Excellent communication, collaboration, and interpersonal skills.
• Ability to analyze complex data and make data-driven decisions.
• Familiarity with Agile methodologies and tools (e.g., Scrum, Kanban, JIRA).
• Strong problem-solving skills and a customer-centric mindset.
• Experience with API integrations and payment technologies.
• Knowledge of regulatory requirements in the payments industry (e.g., PCI DSS, PSD2).
• Certification in Product Management or Agile methodologies (e.g., Certified Scrum Product Owner).
• Strong knowledge and experience across Payments & Cards domains
• Strong knowledge and experience across Payments messaging standards such as NACHA, ISO 8583, ISO 20022, SWIFT
• Strong knowledge of upstream and downstream systems in payments landscape like Core banking, Payment Switches, Compliance, FX, Advising, Billing etc.
• Strong knowledge about one or more payment systems e.g. Electronic Transfer, Cheque Clearing/ACH, Card/ATM Networks, RTGS, Cash Management etc.
• Strong Knowledge of clearing, settlement and Dispute Management process.
• Good Knowledge of Omni Channel payment ecosystem
• Good Knowledge of Payments value chain involving Fraud and Dispute management, Network regulation and compliance.
• Proven track record of successfully leading multiple projects and change management initiatives in a fast-paced and complex environment including liaising with external third-party companies as necessary.
• Requirement Elicitation, Capture and analysis with documentation – creating user stories, acceptance criteria and other technical documentation.
• Extensive experience in the delivery of complex consulting services projects within the Financial Services Industry, focussed on Payments domain.
• Knowledge of current business trends (e.g., EPI, CBDCs, BNPL, Open Banking) and technological market trends (e.g., Hybrid Cloud, Artificial Intelligence, Digital, Microservices / APIs)
• Knowledge of payments regulations like SEPA, BASEL, PSD2, PCIDSS, AML

Skills and experience

• BE/BTech+ MBA candidates with a minimum of 8 years of experience in client facing consulting roles
• Bring deep industry expertise in payments & digital banking and large-scale payments modernization programs
• Strong hands-on development experience with programming languages (e.g., Java, Python, C#, or similar) and frameworks relevant to payment systems.
• Extensive knowledge and experience in database design and optimization on platforms such as Oracle, MySQL, and MongoDB.
• Provide innovative ideas with our clients to explore disruptive strategies that create business value, including usage of new age technologies, such as Blockchain and AI.
• Proven experience in implementing payment solutions across multiple platforms and channels using integration patterns such as API, ESB, and Batch File interfaces.

Behavioral Attributes:

• Analytical, organized, team player, relishes working in a multicultural, multi-national business context.
• Strong delivery mindset, customer focus, commitment to results and high-quality standards.
• Good communication skills, teamwork and customer focus are essential.
• Building influential relationships with colleagues, partners and customers is an essential part of the Services team strategy for success to date
• Being able to work independently or in a team as needed