Senior Product Manager

Required Experience

• At least 10 years of experience developing or implementing payment products in the US market, either with a software vendor or within a bank transformation program.
• Hands-on experience in designing and implementing payment solutions across the full software development lifecycle, from requirements through design, development, testing, deployment and implementation.
• Hands-on experience testing payment products for the US market
• Candidate must have worked in at least 2 of the USA specific rails in depth – FedNow, TCHRTP, Fedwire, CHIPS, ACH, SWIFT.
• End-to-end knowledge covering payment initiation through messages or user interfaces, orchestration, processing, settlement, exception handling and last-mile network connectivity.  
• Practical awareness of emerging and alternative payment and settlement models, including stablecoins, tokenized deposits, Visa B2B solutions and Mastercard real-time payment capabilities.
• Experience contributing to product strategy and multi-year roadmaps

Duties and Responsibilities 

• Understand and keep up to date on the North America payment trends and also global trends and advise clients on  appropriate transformation strategies.
• Guide engineering, product development and product quality teams using US banking practices, payment rules, market insight and implementation experience.
• Define solutions for market requirements and client problems by combining domain expertise with product knowledge.
• Assess market-standard versus client-specific requirements and provide recommendations.
• Prepare and deliver product demonstrations and presentations for prospective clients, existing clients, internal stakeholders and executive management.

• Present strategic options, market trends, cost-benefit analyses and recommendations to executive management
• Create high-quality functional and solution documentation, including Functional Requirements Specifications, Business Requirements Documents and System Requirements Specifications.
• Translate requirements into epics, features, user stories, use cases and solution designs within an Agile delivery model.
• Coordinate across distributed, cross-functional teams and support delivery across time zones. Collaborate with implementation teams, technical architects, engineers and other stakeholders to ensure product solutions meet business objectives.
• Develop product roadmaps with stakeholders and drive delivery against market and client priorities.
• Participate in organization-level innovation programs that create new products and portfolios for organic and inorganic growth.
• Follow Safe Agile Practices and coordination among multiple teams.

Qualifications

• 20+ years of overall experience in banking software, or a bank environment
• 10+ years of US payments experience, including successful implementation at one or more banks
• Minimum Business or Engineering Degree required from a reputed university
• Strong knowledge of US payment orchestration, payment processing, message handling, bulk and individual payment processing, settlement, exceptions, relevant regulations and disclosures.
• Working knowledge of ISO 20022 and ISO 15022, with field-level implementation expertise in at least two of the following: ACH, SWIFT, Fedwire, CHIPS, FedNow Service or The Clearing House RTP network.  
• Working knowledge of partner systems and integrations, including channels, fraud, AML, sanctions and compliance systems, and last-mile network connectivity
• Knowledge on any of the Payment systems in USA Market is desirable.
• Excellent written and verbal communication skills, including experience presenting to stakeholders at multiple organizational levels and to clients.
• Strong Agile knowledge is required; SAFe experience is preferred
• Knowledge of cloud hyperscalers and delivery models such as PaaS, SaaS and managed services.
• Working knowledge of SQL is preferred. Experience with UNIX, message queues, SOAP APIs and REST APIs is an advantage.
• Payments or Agile certifications are an advantage.