product owner

PayDo is an Electronic Money Institution authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta. It operates in 140+ countries and over 25 industries, providing multicurrency IBANs, merchant solutions, mass payments, acquiring, and open banking through one platform and contract.

• Own product initiatives end to end, from idea to production rollout
• Translate business goals into product requirements, epics, and user stories
• Prioritize the backlog using impact-based frameworks covering value, effort, compliance, and risks
• Define acceptance criteria, ensure requirements are clear, and maintain a structured backlog
• Collaborate with Compliance, Operations, Engineering, Finance, and Customer Support
• Gather business requirements, negotiate priorities, and align expectations across departments
• Facilitate cross-functional workshops, discovery sessions, and status reviews
• Communicate product decisions, timelines, and trade-offs to internal and external stakeholders
• Collaborate with engineering teams to clarify scope, manage dependencies, and unblock delivery
• Maintain an understanding of SDLC stages and ensure requirements are groomed before development
• Validate technical feasibility with architects and developers, and manage risks and constraints
• Support QA with test case preparation and participate in UAT
• Advocate for user-centric product design across customer journeys and internal workflows
• Review wireframes, prototypes, and UI designs for clarity, usability, and consistency
• Use UX analytics tools, including heatmaps, session recordings, and funnel analysis, to identify pain points
• Translate insights into product improvements and measurable UX outcomes

• At least 3 years of experience as a Product Owner or in a similar product management role in Fintech, EMI, PSP, or Banking
• Strong understanding of the fintech ecosystem, industry trends, competitive landscape, emerging payment technologies, payment schemes, and banking integrations
• Basic ability to read API documentation and understand request-response flows
• Strong expertise in card and merchant acquiring, and payment acceptance across e-commerce channels
• Deep understanding of the end-to-end card payment lifecycle, including authorization, clearing, settlement, refunds, reversals, and chargebacks
• Experience integrating with payment gateways, acquirers, PSPs, card schemes such as Visa and Mastercard, and alternative payment methods
• Strong knowledge of card scheme rules, interchange, scheme fees, pricing models such as IC++ and blended pricing, and merchant settlement processes
• Experience building and optimizing merchant onboarding, underwriting, risk assessment, and merchant lifecycle management
• Deep understanding of fraud prevention, 3D Secure, authorization optimization, soft declines, and payment authentication flows
• Experience with payment orchestration, routing, smart retries, failover strategies, and multi-acquirer environments
• Strong knowledge of merchant reporting, reconciliation, settlement, payouts, reserve management, and financial operations
• Proficiency in SQL and data-driven analysis to optimize authorization rates, payment conversion, acceptance rates, chargebacks, and merchant performance
• Ability to translate acquiring, card scheme, and merchant requirements into scalable product solutions, including API design, payment workflows, and operational processes
• Proactive problem-solving and an ownership mindset
• Strong communication skills and ability to simplify complex concepts
• High attention to detail and ability to structure ambiguous inputs
• Empathy, a user-centric mindset, and ability to balance business and technology perspectives
• Будет плюсом: Experience with Acquiring, Pay by Bank, Checkout services, and Open Banking

• Annual learning and development budget for courses and certifications
• Regular performance reviews based on KPIs
• Transparent career path with opportunities to reach Lead roles within 1 year, Head roles in 2 years, and C-level in 4 years based on performance
• Extra bonuses for ideas shared through PayDo Ideas Hub
• Public holidays aligned with the employee’s country calendar
• Flexible payouts via PE accounts or popular e-wallets