Role Sum y
We are seeking a Payments Product Owner to drive the vision, design, and delivery of key products and transformation initiatives across the Payments domain. The role demands a blend of business acumen, product strategy, and deep understanding of payment lifecycles , covering initiation, screening, processing, settlement, and reporting.
The ideal candi will serve as the bridge between business stakeholders, technology teams, and operations , ensuring alignment of product features with customer needs and regulatory or modernization goals (e.g., ISO 2, SWIFT gpi, RTP, FedNow, UPI, A Instant ). The Product Owner will define and manage product roadmaps, oversee backlog prioritization, and partner with cross-functional teams to deliver enhancements across both BAU and transformation programs.
Key responsibilities
- Product Strategy and Roadmap
- Define product vision, strategy, and roadmap for Payments transformation initiatives (e.g., ISO 2 enablement, RTP/FedNow modernization, cross-border and real-time payments).
- Translate strategic goals into actionable product epics and features with measurable outcomes.
- Prioritize backlogs based on business value, client needs, and compliance or regulatory timelines.
- Partner with Payments Operations & Transformation Leads to shape and evolve modernization programs and digital payment capabilities.
2. Product Delivery and Stakeholder Management
- Collaborate with cross-functional teams - technology, operations, compliance, and business users - to deliver enhancements and new capabilities across the payments lifecycle.
- Manage sprint planning, backlog grooming, and acceptance criteria to ensure product increments meet defined objectives.
- Partner with technology and QA teams for end-to-end product testing, user acceptance, and release management.
- Act as the voice of the customer, ensuring usability, operational efficiency, and risk controls are embedded in all product design isions.
3. Payments Domain Expertise and Governance
- Apply in-depth understanding of payment messaging standards (SWIFT, A, FedNow, RTP, UPI, ACH) and emerging modernization initiatives (ISO 2, gpi).
- Ensure alignment of product design with sanctions, AML, and screening workflows , as well as with reconciliation and intraday liquidity management needs.
- Work closely with Treasury, Core Banking, and Risk teams to enable straight-through processing (STP) and data-driven reconciliation.
- itor ket and regulatory trends (PSD2, CBPR+, UETR) and recommend up to the product roadmap.
4. Operational Excellence and Change Enablement
- Identify process improvement opportunities and collaborate with automation or analytics teams to drive digitization and efficiency.
- Support training, documentation, and rollout of new features and workflows.
- Champion agile practices, design thinking, and continuous improvement across delivery pods.
Skills Required:
- 10+ years of experience in Payments Operations, Product Management, or Transformation , preferably in banks, payment hubs, or fintechs .
- Strong understanding of payment ecosystems including SWIFT, ACH, RTP, A, FedNow, ISO 2, and related regulatory standards.
- Proven ability to translate business and regulatory requirements into product features, epics, and user stories aligned with modernization goals.
- Experience managing the end-to-end lifecycle of payment products from concept and MVP design to scaled delivery and ket adoption.
- Hands-on experience in product backlog management , sprint delivery, and tools such as JIRA, Confluence , and prioritization frameworks (MoSCoW, WSJF).
- Familiarity with payment platforms (e.g., Murex Payments, Finastra Fusion, VolPay, FIS, Temenos) and understanding of API-based integrations, cloud migration, and microservices architectures in modern payment hubs.
- Strong data orientation , with ability to interpret transaction metrics and operational data to inform product isions, efficiency gains, and control enhancements.
- Exposure to sanctions screening, AML controls, reconciliation , and regulatory workflows integrated across Treasury and Core Banking systems.
- Experience engaging in client workshops, product demos, and readiness assessments , with strong presentation and stakeholder management skills.
- Excellent communication, collaboration, and leadership capabilities to drive cross-functional alignment across business, risk, compliance, and technology teams.
Disclaimer: The job location mentioned in this description is based on publicly available information or company headquarters. Candidates are advised to verify the exact job location directly with the employer before applying.
