Role description
Job Description – Technical Product Owner (Payment Domain – US Market)
Technical Product Owner – Payment Domain (US Market)
8–12 Years
Open / Hybrid (Based on Business Requirement)
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
- 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.
- 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.
- 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.
- 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 strong 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.
Skills
Product Management, Stakeholder Management, Payment Processing, Application Migration, Requirements Gathering, Scrum, Compliance Management, Risk Management, Fraud Analysis, Authentication and Authorization, Business Analysis
About UST
UST is a global digital transformation solutions provider. For more than 20 years, UST has worked side by side with the world’s best companies to make a real impact through transformation. Powered by technology, inspired by people and led by purpose, UST partners with their clients from design to operation. With deep domain expertise and a future-proof philosophy, UST embeds innovation and agility into their clients’ organizations. With over 30,000 employees in 30 countries, UST builds for boundless impact—touching billions of lives in the process.
