Product Owner (SEPA Payments)
Core
Own the end-to-end development of SEPA payment flows (SCT, SCT Inst, SDD Core, TARGET2) and drive the payments product roadmap for a European fintech.
Role type
Senior Product Owner (Payments Infrastructure)
Builds
SEPA payment rails, payment processing APIs, and settlement/reconciliation systems
Domain
European Fintech / Digital Banking / Payments
Required skills
SEPA Credit Transfer, SEPA Instant, SEPA Direct Debit, ISO 20022 (pain, pacs, camt), payment processing flows, clearing, settlement, reconciliation, exception handling, payment gateways, routing logic, ledger accounting, settlement cycles, backlog management
Preferred skills
TIPS, T2, EBA CLEARING, CENTROlink experience, EMI/digital bank/PSP background, scaling SEPA Instant/Direct Debit products
Technologies
SEPA, TARGET2, ISO 20022, TIPS, T2, EBA CLEARING, CENTROlink
Responsibilities
Define and drive the payments product roadmap; Translate regulatory requirements and EPC scheme rules into product specifications; Work with engineering on APIs, payment processing logic, routing, settlement, and reconciliation; Monitor transaction health, STP rates, exceptions, returns, and recalls; 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 stakeholders
