Product Owner

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 in?an agile environment with?little supervision. We are looking for a dynamic, self-motivated person with?a passion for?problem solving and?continuous?learning.? 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.