product owner for SEPA payments

The company provides payment solutions for retail customers, SMEs, and embedded banking partners and is expanding its payment infrastructure across Europe.

• Own the end-to-end development of SEPA payment flows, including SEPA Credit Transfer (SCT), SEPA Instant (SCT Inst), SEPA Direct Debit (SDD Core), and TARGET2 / T2-related payment flows
• Define and drive the payments product roadmap
• Translate regulatory requirements, EPC scheme rules, and clearing requirements into product specifications and technical requirements
• Collaborate with engineering teams on APIs, payment processing logic, routing, settlement, and reconciliation
• Monitor transaction health, STP rates, exceptions, returns, recalls, and other R-transactions
• Improve payment reliability, scalability, and operational efficiency
• Collaborate with payment clearing infrastructure and external banking partners
• Act as an internal subject matter expert on European payment rails
• Manage the product backlog and coordinate delivery across technical and business stakeholders

• 3+ Years of experience as a Product Owner, Technical Product Manager, or in a similar senior product role within fintech, banking, or payments
• Strong hands-on knowledge of SEPA Credit Transfer, SEPA Instant, and/or SEPA Direct Debit
• Good understanding of ISO 20022 message formats, including pain, pacs, and camt
• Experience with payment processing flows, clearing, settlement, reconciliation, and exception handling
• Understanding of payment gateways, routing logic, ledger accounting, and settlement cycles
• Ability to translate complex payment and regulatory requirements into product and technical specifications
• Strong backlog and stakeholder management skills
• Fluent English
• Будет плюсом: Experience with TIPS, T2, EBA CLEARING, CENTROlink, or similar systems; experience within an EMI, digital bank, PSP, payment processor, or core banking provider; Lithuanian language skills; experience launching or scaling SEPA Instant or Direct Debit products

• Competitive compensation depending on experience
• Flexible working conditions