The Product Owner for Payment Gateway & E-Wallet is responsible for shaping the vision, strategy, and execution of our payment processing and digital wallet solutions. This role requires a deep understanding of payment ecosystems, e-wallets, and fintech to deliver seamless, secure, and scalable products that meet both user and business needs.
1. Product Strategy & Roadmap:
• Define and maintain the product vision and strategy for the combined payment gateway and e-wallet platform.
• Develop a detailed product roadmap aligned with company objectives, focusing on delivering innovative, secure, and user-friendly payment solutions.
• Prioritize features, enhancements, and improvements based on business value, customer needs, and market trends.
2.Customer & Market Insight:
• Conduct market research to stay updated on industry trends in digital payments, emerging technologies, and user preferences (e.g., BNPL, tokenization, NFC payments).
• Work closely with key stakeholders (merchants, consumers, internal teams) to gather insights and translate them into product features.
• Analyze customer feedback and transactional data to identify pain points and opportunities for innovation.
3.Cross-functional Collaboration:
• Collaborate with engineering, UX/UI, compliance, and operations teams to ensure seamless implementation of product features.
• Work with external partners (banks, payment processors, card networks) for third-party integrations and partnerships.
• Ensure product documentation is kept up-to-date and communicate product goals, priorities, and status updates to stakeholders across the company.
4.Payment Gateway Focus:
• Oversee the development and optimization of the payment gateway, ensuring compatibility with various payment methods (credit/debit cards, bank transfers, digital wallets, QR payments).
• Manage payment gateway performance, focusing on reducing transaction failures, optimizing latency, and ensuring high success rates.
• Ensure the gateway supports multiple currencies, regions, and languages for cross-border transactions.
• Maintain compliance with relevant security and privacy standards (PCI-DSS, GDPR) and work with security teams to ensure robust fraud detection and prevention systems are in place.
5.E-Wallet Focus:
• Own the end-to-end user experience for the e-wallet product, ensuring a seamless experience across mobile and web platforms.
• Work on wallet functionalities such as user onboarding, balance management, peer-to-peer transfers, and loyalty/reward programs.
• Oversee integration with other payment platforms (banks, loyalty programs, third-party wallets) and support for digital currency storage (fiat and cryptocurrency, if applicable).
• Ensure compliance with regulatory frameworks (KYC, AML, e-money licensing), working closely with legal and compliance teams.
• Drive user engagement by identifying opportunities to enhance features like rewards, promotions, and gamified payment experiences.
6.Performance Metrics & Optimization:
• Define and track key product metrics, such as transaction success rates, user retention, wallet balance growth, and churn.
• Analyze payment flow and user data to continuously optimize product features and minimize operational costs (e.g., transaction fees, chargebacks).
• Use A/B testing, user behavior analysis, and feedback loops to iterate on product improvements.
7.Innovation & Scalability:
• Identify and prioritize new features, such as biometric authentication, payment tokenization, or open banking integrations.
• Lead efforts to scale the payment infrastructure to support increasing transaction volumes, new geographies, and payment methods.
• Explore partnerships with other fintech companies or third-party services (like BNPL, crypto, etc.) to expand product capabilities.
1.Experience:
• 5+ years of experience as a Product Owner or Manager in the fintech, payments, or e-commerce sector, with hands-on experience in both payment gateways and e-wallets.
• Proven track record in managing full product lifecycles, from discovery to delivery, in agile environments.
2.Technical Expertise:
• Strong knowledge of payment processing technologies, including gateways, acquiring banks, payment schemes (Visa, MasterCard), and alternative payments (digital wallets, QR codes).
• Familiarity with API design and architecture, particularly in payments and third-party integrations.
• Experience with mobile payments, tokenization, biometric authentication, and data encryption.
3.Regulatory Knowledge:
• In-depth understanding of financial regulations, including PCI DSS, PSD2, KYC, AML, GDPR, and local e-money regulations.
• Ability to work with compliance teams to ensure all features meet legal and security standards.
4.Analytical Skills:
• Strong data-driven mindset, with experience in analyzing transaction data, customer behavior, and payment flows.
• Proficient in tools like SQL, Google Analytics, Mixpanel, or similar for data analysis.
5.Soft Skills:
• Excellent communication skills with the ability to translate complex technical concepts into business terms.
• Strong leadership, stakeholder management, and prioritization skills.
• Problem-solving aptitude with a focus on delivering customer-centric solutions.
6.Educational Background:
• Bachelor’s degree in Business, Computer Science, Engineering, or a related field. A master’s degree is a plus.
• Certifications in Product Management (CSPO, AIPMM, or similar) are advantageous.
SenID edefining financial solutions to mirror the unique needs and lifestyles of our users. Our commitment is to provide you with an exclusive, tailored experience that not only meets your expectations but exceeds them.
