Technical Product Owner – Payment Domain (US Market)

Experience: 8+ Years

Hiring Location: Pune

Must-Have Skills

- Product Ownership and Product Backlog Management
- Strong experience in US Payment Gateway and Payment Processing domain
- Deep understanding of the complete US payment transaction lifecycle
- Experience with:
- Payment Authorization
- Capture
- Settlement
- Refunds
- Voids
- Chargebacks
- Recurring Payments
- Tokenization
- Fraud Management
- Knowledge of payment ecosystem involving:
- Payment Gateways
- Payment Processors
- Card Networks (Visa, Mastercard, etc.)
- Acquiring Banks
- Merchants
- Experience gathering and translating business requirements into user stories and acceptance criteria
- Strong stakeholder management across Business, Engineering, QA, Compliance, Risk, and Operations teams
- Agile/Scrum methodology with experience in Sprint Planning, Backlog Grooming, Reviews, and Retrospectives
- Experience working with API-based payment integrations
- Strong Business Analysis and Requirement Gathering skills
- Knowledge of Authentication, Authorization, Compliance, and Risk Management in payment systems
- Ability to work closely with Engineering teams throughout the SDLC
- Excellent communication and stakeholder management skills

Good-to-Have Skills

- Experience with Payment Gateway Platform Migration/Modernization
- Legacy platform decommissioning
- Feature parity analysis and phased migration planning
- Knowledge of microservices architecture
- Experience with cloud-native payment platforms
- API strategy and integration design




- Experience integrating with third-party payment providers and merchant platforms
- Understanding of PCI-DSS, payment security standards, and fraud prevention technologies
- Exposure to payment processor and acquiring bank integrations

Key Responsibilities

Product Ownership

- Own and manage the product backlog for payment gateway initiatives.
- Gather, analyze, prioritize, and refine business requirements.
- Define user stories, acceptance criteria, and product specifications.
- Drive product roadmap planning and execution.
- Collaborate with Engineering, QA, Architects, and Business stakeholders throughout the SDLC.
- Participate in Agile ceremonies including Sprint Planning, Daily Stand-ups, Backlog Grooming, Reviews, and Retrospectives.

Payment Domain Expertise

- Understand and manage the end-to-end payment processing lifecycle in the US market.
- Define and enhance payment gateway capabilities including:
- Authorization
- Capture
- Settlement
- Refunds
- Voids
- Chargebacks
- Recurring Payments
- Tokenization
- Fraud Detection and Prevention
- Work with payment processors, acquirers, card networks, merchants, and third-party payment providers.




- Support payment gateway integrations with merchant platforms and external payment services.

Technical Responsibilities

- Translate business requirements into technical solutions.
- Collaborate with architects and engineering teams on API-driven payment solutions.
- Review technical designs to ensure alignment with business goals.
- Drive API strategy and integration requirements.
- Understand microservices-based architectures and cloud-native payment platforms.

Stakeholder Management

- Partner with Business, Operations, Engineering, Compliance, Risk, and external vendors.
- Communicate product vision, roadmap, priorities, and delivery progress.
- Manage cross-functional dependencies and ensure successful product delivery.

Required Domain Knowledge The candidate should possess solid knowledge of the US Payments Ecosystem, including:

- Complete payment transaction lifecycle
- Payment Gateway architecture
- Payment Processors
- Card Networks (Visa, Mastercard, American Express, Discover)
- Acquiring Banks
- Merchant Services
- Payment Authentication and Authorization
- Payment Security and Compliance
- Fraud Detection and Risk Management

Preferred Qualifications

- Bachelor's degree in Computer Science, Information Technology, Business, or a related field.
- Product Owner/Product Management certifications (CSPO, PSPO) are preferred.
- Experience working with enterprise payment platforms and financial services organizations.
- Proven experience delivering scalable payment products in Agile environments.

📌 Product Owner (Maharashtra)
🏢 UST
📍 Maharashtra