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Job Title: Product Owner – Cards & Payments

 

 

Required Technical and Professional Expertise

 

8+ years’ experience in banking payments transformations or implementing new payment systems 3+ years’ experience as Product Manager/Product Owner 5+ years’ experience in building digital payment channels and leading large-scale modernization programs, including the development of microservices, API frameworks, and BIAN APIs. Strong knowledge and experience across Payments & Cards domains Strong knowledge and experience across Payments messaging standards such as NACHA, ISO 8583, ISO 20022, SWIFT Strong knowledge of upstream and downstream systems in payments landscape like Core banking, Payment Switches, Compliance, FX, Advising, Billing etc. Experience in working with leading Card Schemes like MasterCard, Visa, Amex, JCB and RuPay. Experience in Cards payments (Cards, Networks, Issuers and Acquirers). Experience in working with payment processors like VisionPlus/Fiserv/First Vision, TSYS, WorldPay (FIS), Power card, PayOne etc. Experience in working with payment processing stakeholders like Payment Intermediaries, Aggregators, Switches Strong knowledge about one or more payment systems e.g. Electronic Transfer, Cheque Clearing/ACH, Card/ATM Networks, RTGS, Cash Management etc. Strong Knowledge of clearing, settlement and Dispute Management process. Experience of channel side payments systems (e.g., ATM, Micro ATM point of sale, wallets) Good Knowledge of E-commerce/Online payment applications Good Knowledge of Contactless payments & Tokenization payments, NFC/MFT payment experience will be added advantage. Having knowledge on switching and batch process experience will be added advantage. Good Knowledge of Payments value chain involving Fraud and Dispute management, Network regulation and compliance. Demonstrable payment processing and clearing knowledge especially data mapping and modelling to support triaging issues raised in development and production Proven track record of successfully leading multiple projects and change management initiatives in a fast-paced and complex environment including liaising with external third-party companies as necessary. Requirement Elicitation, Capture and analysis with documentation – creating user stories, acceptance criteria and other technical documentation. Experience in business development and sales of consulting services and projects to senior levels of client’s organization Extensive experience in the delivery of complex consulting services projects within the Financial Services Industry, focussed on Payments and Cards domain. Knowledge of current business trends (e.g., EPI, CBDCs, BNPL, Open Banking) and technological market trends (e.g., Hybrid Cloud, Artificial Intelligence, Digital, Microservices / APIs) Knowledge of payments regulations like SEPA, BASEL, PSD2, PCIDSS, AML  

 

Skills and experience

 

BE/BTech+ MBA candidates with a minimum of 8 years of experience in client facing consulting roles Bring deep industry expertise in payments & digital banking and large-scale payments modernization programs Strong hands-on development experience with programming languages (e.g., Java, Python, C#, or similar) and frameworks relevant to payment systems. Extensive knowledge and experience in database design and optimization on platforms such as Oracle, MySQL, and MongoDB. Provide innovative ideas with our clients to explore disruptive strategies that create business value, including usage of new age technologies, such as Blockchain and AI. Proven experience in implementing payment solutions across multiple platforms and channels using integration patterns such as API, ESB, and Batch File interfaces.

 

 

Behavioral Attributes:

 

Analytical, organized, team player, relishes working in a multicultural, multi-national business context. Strong delivery mindset, customer focus, commitment to results and high-quality standards. Good communication skills, teamwork and customer focus are essential. Building influential relationships with colleagues, partners and customers is an essential part of the Services team strategy for success to date Being able to work independently or in a team as needed

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