Product Owner – Merchant Acquiring

Job Purpose (Why does the job exist? What is the unique contribution made by the job holder?)

To position the bank as the most sought-after Merchant Acquiring solution provider and enhance our acquiring capabilities based on client-led demands and VOC for the bank in UAE and KSA .

Lead integration and certification discussions with existing schemes in UAE and KSA for enablement across POS and Ecom channels. 

Responsible for the scheme Host certifications in UAE and KSA

Coordinate with schemes for POS terminal certifications vendors in KSA and UAE.

Work with internal stakeholders to fulfil the contractual obligations for schemes. 

Manage the processing platform requirements 

Engage with schemes to setup internal processes with onboarding, risk and compliance teams. 

Engage with multiple payment gateways to do the necessary scheme certifications. 

Work with the payment gateways to create a smooth onboarding journey for merchants. 

Work with the processor and schemes to set up the workflow for incoming and outgoing files

Work with Internal IT to create transaction flow for ONUS transactions 

Work with the processor to manage TMS related issues and track the terminal performance regularly. 

Ensure all the necessary plugins , integrations required for payment gateway platform are covered in the product suite. 

Work with schemes on existing Token migration 

Work with the technology partner for creating post onboarding journeys for payment gateway onboarding

Main Tasks

• Scheme engagement
• Scheme certification
• Scheme compliance
• Scheme Risk assessment
• Managing Product backlog
• Ensure the product bench marking
• Payment gateway & POS feature enhancements
• Identify Innovative products and new features
• Work with processor/technology partner and IT team for payment gateway assessment
• Work with internal teams to design onboarding flow for merchants on Payment gateway channels.
• Design the process flow for all the gateways along with processor/technology partner.
• Design process for payment gateway integration and onboarding

Experiences

6 + years of experience in a product / partnerships/project management role

Experience in digital products, user journey creation and contract negotiations

Past knowledge of working with schemes ( Master/Visa) is a plus