Product Owner

Key Ownership & Delivery:

- Act as Product Manager / Product Owner for Real-Time Payments platforms and capabilities

- Work closely with Business, Technology, Operations, Compliance, and External Partners to define product vision and roadmap

- Translate business requirements into PRDs, FRDs, features, epics, and user stories

- Own and manage the product backlog, prioritization, and sprint planning activities

- Support delivery teams throughout the SDLC and Agile lifecycle Real-Time Payments & Scheme Integration Lead product initiatives for SEPA Instant Payments and UK Faster Payments (mandatory) Support integrations with other Real-Time Payment (RTP) schemes across: EMEA APAC Americas

- Work closely with engineering teams on payment processing, scheme connectivity, and message flows

- Ensure high availability, performance, and scalability of RTP solutions Scheme Compliance & Governance

- Ensure products comply with scheme operating rules, guidelines, and regulatory requirements

- Interpret and implement scheme changes, mandates, and upgrades

- Partner with Compliance, Risk, and Legal teams to ensure adherence to regulatory and scheme obligations

- Support audit, certification, and scheme validation activities

Stakeholder Management & Client Engagement:

- Act as a key liaison between business stakeholders, technology teams, vendors, and scheme operators Participate in and respond to RFI/RFPs, client proposals, and solution presentations

- Support pre-sales and client discussions with strong domain and product expertise

- Communicate product updates, releases, and roadmap progress to stakeholders

- Key Skills & Experience Mandatory Requirements

- Hands-on experience with SEPA Instant Payments and UK Faster Payments

- Strong experience in payment processing systems and RTP scheme integrations

- Deep understanding of RTP scheme operating rules, SLAs, settlement, and compliance requirements Proven experience as a Product Manager / Product Owner in payments

- Strong expertise in writing PRDs, FRDs, features, epics, and user stories

- Experience collaborating with both Business and Technology stakeholders

Nice to Have:

- Experience with other RTP schemes (e.g., TIPS, RT1, FedNow, RTP - The Clearing House, UPI, NPP, Pix, etc.)

- Exposure to Card Payments, Digital Wallets, and Alternative Payment Methods

- Experience in responding to RFI/RFPs and supporting sales or pre-sales engagements

Core Competencies:

- Strong domain knowledge in Money Movement and Payments

- Excellent communication, documentation, and stakeholder-management skills

- Analytical mindset with the ability to translate complex payment flows into clear product requirements

- Experience working in Agile / Scrum environments Ability to manage multiple priorities in a fast-paced, regulated environment

(ref:iimjobs.com)