Product Owner, DPS Credit & Processing

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Visa DPS, a processing asset at Visa is focused on providing future-ready innovative processing products with superior performance. Visa DPS customers include traditional financial institutions, Fintechs, Neobanks and 3rd party aggregators. Building upon foundation of Visa DPS debit processing business, we are expanding our capability to include additional payment types such as Credit. To affect this new solution, we are looking for digital savvy product development leaders who are passionate about innovating and delivering differentiated client and end-user experiences in product and processing space. They will be responsible for aggressively expanding Visa DPS solutions by delivering new offerings that will be integrated into existing Visa DPS foundational platforms. As part of this new team, you will help influence and shape our new product offering.

The Product Owner is responsible for the product architecture to (a) define integration with existing systems and external/partner systems (b) ensuring system is developed with quality, monitoring and high availability (c) define the integration with financial institution clients, from cardholder enrollment, transaction processing, clearing/reconciliation to settlement.

Working knowledge within credit payment processing space is strongly preferred, with experience integrating systems, transformation/refactoring of messages and integration into credit ledger systems. Agile experiences commercializing, and operating products will be ideal to drive the vision, execution, implementation and operations of this product offering. You will also participate in defining product constructs, go-to-market approach, pilot framework and commercialization efforts (e.g. client fit, requirements and success criteria). This role will work closely with engineering and product managers in India and USA.

The ideal person for this role should have a passion for innovation in payments, technology, and product management, be detail-oriented, and have the ability to drive results within a complex environment.

This Product Owner is an individual contributor and will report to the Sr. Product Manager of New Product Development joining a team to maximize value for our clients and stakeholders.

The position will be based in Bangalore, India.

Essential Functions

• Work with Visa DPS product managers to develop solutions and define use cases to support our credit processing strategy.
• Interface with clients, partners, business unit leaders, engineering, architects, user experience and global cross-functional counterparts to build, iterate and refine credit processing backlog and roadmap
• Deliver executable business requirements by epics, features and user stories, and work with agile scrum teams to develop, ensuring quality, solution certification, and other groups to ensure successful delivery of the full product lifecycle from ideation to launch.
• As a Product Owner on agile scrum teams:
  • Bring product vision, customer insights and feedback to the team, setting the business context
  • Define features and user stories in support of development activities
  • Actively manage and prioritize team backlog and evaluate changing business/market conditions and impact to priorities
  • Communicate status updates in a transparent manner with key stakeholders on a frequent basis
  • Collaborate with external and internal stakeholders to effectively build, launch, commercialize, and communicate new product features
  • Deliver product/feature demos that communicate product value proposition, and features and benefits.
  • Own features and stories through development lifecycle till client consumption in production
  • Appropriately prioritize defects based on impact and provide updates to stakeholders on frequent basis
• Define and execute launch plans for pilot and general availability
• Participate in client or sales meetings to describe product functionalities.

This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Basic Qualifications:

• 4+ years of relevant work experience with a Bachelor’s Degree
• Passion for innovating and delivering differentiated products & user experiences
• Passionate about what you do and excited about the opportunity to transform payments
• Demonstrate leadership principles by communicating openly, collaborating effectively, enabling, and inspiring others, and excelling with partner

Preferred Qualifications

• Experience in developing credit ledgers such as rates, fees, credit cycles, credit cards association and defining integration methods for financial institution clients
• Experience in payment reconciliation for network, credit processing and ledger systems
• Experience in credit payment processing with experience in API development and integrating multiple systems in issuer credit processing domain
• Experience in agile methodologies. Scaled Agile Framework (SAFe) preferred but not required
• Strong technical acumen with understanding of how products are developed and supported

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.