Product Owner

Incedo

7 - 10 years

15 - 18 Lacs

gurugram

Posted:1 day ago| Platform:

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Skills Required

settlements payments invoice processing b2c b2b product strategy confluence ux user stories sql domestic regulatory frameworks marketing stakeholder management visio pci product vision scrum agile api accounting entries finance jira

Work Mode

Work from Office

Job Type

Full Time

Job Description

Technical Skills

We are looking for a smart professional with an experience in the Banking & Payments domain. Candidate will be a part of the Product Management team for our flagship product- IncedoPay. He/she will work inan agile environment withlittle supervision.
We are looking for a dynamic, self-motivated person witha passion forproblem solving andcontinuouslearning. Role and ResponsibilitiesProduct Strategy & Roadmap
Own and drive the product strategy, roadmap, and execution for IncedoPay. Define product vision, KPIs, and go-to-market strategy in alignment with business goals and industry trends. Drive innovation in AP automation, digital payments, and embedded finance, ensuring a competitive edge.
Lead market research and competitive analysis to identify product gaps, differentiators, and new monetization opportunities.
Payments & AP Automation Expertise Strong understanding of both B2B and B2C payment processes Payment Engine workflows- E2E Flow of Payments, Processing Steps involved in Payment Engines for Incoming Flow, Outgoing Flow, Redirect Flow & Book Flows.
Lead initiatives to enhance invoice-to-pay automation, supplier onboarding, and reconciliation workflows. Define and implement intelligent payment routing for ACH, virtual cards, RTP, FedNow, wire transfers etc.
Strong understanding of Clearing & Settlement, Risks Associated, Concept of Clearing House, Multiple Scenarios in Domestic & Cross-Border Payments, Accounting Entries Stay updated on regulatory compliance (NACHA, PCI-DSS, ISO 20022) and ensure the product meets industry standards. SWIFT MT Messages ISO20022 Migration & FIs' Approach, SWIFT MX Messages - Domestic (US RTP & US FedWire) (Optional)
Product Development & Agile Execution Work closely with engineering, UX, and data science teams to deliver seamless, scalable, and secure payment solutions. Own the end-to-end product lifecycle, from ideation to execution, ensuring high-quality releases. Manage and prioritize the product backlog, defining epics, user stories, and acceptance criteria.
Conduct user research, A/B testing, and data-driven decision-making to improve product adoption and performance.Stakeholder & Customer Engagement Collaborate with banks, fintech partners, and enterprise clients to understand their pain points and improve the product experience.
Lead discussions for strategic partnerships and support new initiatives. Partner with sales and marketing teams to define product positioning, competitive differentiation, and product strategies.
Market & Competitive Analysis Conduct competitive benchmarking against AP automation and payment routing systems/payment hub solutions. Identify new monetization opportunities, including embedded finance, supplier enablement, and fraud detection capabilities. Research industry trends in AP automation, payment hubs, and treasury management solutions.

Nice-to-have skills

Qualifications

7 to 10 years of experience in payments transformation, AP automation, or banking technology. Proven track record of managing SaaS-based payment platforms, payment hubs, or AP automation solutions.
Deep understanding of invoice processing, supplier/consumer payments and payment networks. Hands-on experience with payment APIs, embedded finance, and open banking solutions.
Strong grasp of regulatory frameworks (NACHA, FedNow, PCI-DSS, ISO 20022, OFAC compliance, RTP rules). Excellent communication and stakeholder management skills, with experience working with banks, fintechs, and enterprise clients. Background in payments product organizations, fintech startups, or financial services companies preferred. Understanding in Agile, Scrum, Jira, Confluence, SQL, Visio, and wireframing tools.

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