Role: Product Owner - Payments
Experience: 10years
Location: London
Work mode: Hybrid
Key Responsibilities
Product Ownership & Strategy
- Own the end‑to‑end Payment’s product vision, roadmap and backlog for B2B clients (banks, DFIs, governments, NGOs, fintechs).
- Translate Head of Payments’ strategic intent into executable product priorities across corridors, rails and platforms.
- Balance speed, reach and cost with the operational and regulatory realities of CLIENT’s markets.
- Ensure alignment with overall solution strategy laid out by CLIENT.
Payments Domain Leadership
- Drive improvements across cross‑border payment initiation, routing, settlement, tracking, reconciliation and exception handling.
- Manage payments tightly coupled with FX execution, pre‑funding, cut‑offs and liquidity constraints.
- Design for multi‑rail delivery (correspondent banks, local clearing, mobile money, wallets) across Africa, LATAM, APAC, Caribbean and Middle East.
Regulatory & Risk Alignment
- Embed AML, sanctions screening, transaction monitoring and market‑specific controls directly into product design.
- Work closely with Compliance, Risk and Ops to ensure solutions are compliant with UK PRA/FCA expectations and local market regulations.
- Design preventative controls to reduce payment failures, returns and manual repairs.
Delivery & Team Leadership
- Lead a cross‑functional squad (engineering, ops, QA, analysts) as Product Owner in an agile delivery model.
- Own sprint planning, prioritisation, acceptance criteria and release readiness.
- Ensure operational readiness, SLAs and support playbooks are in place before go‑live.
- Align with the overall delivery roadmap of CLIENT.
Stakeholder & Partner Management
- Act as the primary product counterpart to internal stakeholders: Payments, Banking, Treasury, Compliance, Operations, Technology and Sales.
- Engage with external partners including correspondent banks, clearing partners and payment providers to support corridor expansion and resilience.
Skills & Experience
Essential
- Strong Product Owner / Product Manager experience in B2B payments or transaction banking.
- Deep understanding of cross‑border payments, correspondent banking, and payments into emerging or frontier markets.
- Hands‑on experience working with regulated financial institutions and complex compliance environments.
- Ability to operate across business, technology and operations without losing delivery focus.
- Experience of having implemented a payments product in a banking or payment processor environment.
Highly Desirable
- Experience with FX‑linked payments, liquidity management or nostro/vostro considerations.
- Exposure to API‑led payment platforms and gateway models.
- Experience delivering payments transformation or modernization programs.
What Success Looks Like
- Faster, more predictable cross‑border payments across priority CLIENT corridors.
- Reduced payment failures, exceptions and operational friction.
- Clear alignment between payments strategy, product delivery and regulatory obligations.
- A payments platform that scales CLIENT’s B2B business without increasing risk or cost disproportionately.