Product Owner

About the Position

PayDo, a leading Electronic Money Institution (EMI) authorized by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140+ countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, mass payment options, acquiring, open banking, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for modern online businesses.

We are looking for a proactive Senior Product Owner to drive the development of our fintech products. In this role, you will own the product lifecycle end to end, define and prioritise features, and collaborate with cross-functional teams to ensure timely and high-quality delivery.

Responsibilities

Product Discovery & Delivery

• Own the end-to-end lifecycle of product initiatives from idea to production rollout.
• Translate business goals into clear product requirements, epics, and user stories.
• Prioritize the backlog using impact-based frameworks (value, effort, compliance, risks).
• Define acceptance criteria, ensure requirement clarity, and maintain a clean, structured backlog.

Stakeholder Management

• Work closely with Compliance, Operations, Engineering, Finance, and Customer Support teams.
• Gather business requirements, negotiate priorities, and align expectations across departments.
• Facilitate cross-functional workshops, discovery sessions, and status reviews.
• Clearly communicate product decisions, timelines, and trade-offs to internal and external stakeholders.

Technical & SDLC Collaboration

• Collaborate daily with engineering teams to clarify scope, manage dependencies, and unblock delivery.
• Maintain deep understanding of SDLC stages and ensure requirements are properly groomed before development.
• Validate technical feasibility with architects and developers; manage risks and constraints.
• Support QA in test case preparation and participate in UAT to ensure product quality.

User Experience & UX Analytics

• Advocate for user-centric product design across customer journeys and internal workflows.
• Review wireframes, prototypes, and UI designs to ensure clarity, usability, and consistency.
• Use UX analytics tools (heatmaps, session recordings, funnel analysis) to identify pain points.
• Translate insights into actionable product improvements and measurable UX outcomes.

Payments & Compliance

• Support integrations with payment schemes such as SEPA, SWIFT, Faster Payments, ACH, etc., or support integrations with acquiring, card processing, merchant onboarding, and chargeback flows.
• Participate in discussions with banking partners, PSPs, and technical vendors.
• Understand regulatory impacts (PSD2, AML/CTF, KYC, VoP/CoP, reporting). (nice to have)

Requirements

General

• Minimum 3 years of experience as a Product Owner or in a similar product management role in Fintech, EMI, PSP, or Banking.
• Solid understanding of the fintech ecosystem, industry trends, competitive landscape and emerging payment technologies, payment schemes and banking integrations.
• API familiarity (basic ability to read API docs, understanding request-response flows).
• Experience with Pay by Bank (PBB), Open Banking

Hard Skills

• Strong experience in stakeholder management and cross-department alignment.
• Solid background in UX principles, journey mapping, and usability best practices.
• Hands-on experience with UX analytics.
• Deep understanding of SDLC, including discovery, refinement, development, QA, release, and post-release monitoring.
• Ability to write clear and structured documentation – BRD, PRD, acceptance criteria, use-cases, flow diagrams.
• Experience working with engineering teams using Scrum/Kanban.
• Analytical thinking and ability to make decisions based on data, constraints, and risk assessment.

Soft Skills

• Ownership mindset with proactive problem-solving.
• Strong communication skills and ability to simplify complex concepts.
• High attention to detail and ability to structure ambiguous inputs.
• Empathy, user-centric mindset, and ability to balance business and tech perspectives.

We Offer

• Annual Learning & Development Budget – invest in your growth with dedicated funds for courses and certifications
• Regular Performance Reviews Based on KPIs – for your professional advancement
• Transparent career path – opportunity to reach Lead roles within 1 year, Head roles in 2 years, and C-level in 4 years based on performance
• Innovation Financial Rewards – share your ideas via PayDo Ideas Hub and earn extra bonuses
• Public Holidays – aligned with your country’s calendar
• Flexible payout options – via PE accounts or popular e-wallets

About the Company

PayDo is a fintech company founded by a team of ambitious professionals with extensive experience back in 2017. Through the years, our team has grown, our products have become more advanced and the whole company has come a long way to become one of the top financial service providers.

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