Sr. Product Owner Payments

Whoarewe?

WeareMexico'sleadingfinancialtechnologycompany,empoweringover100,000clientstoachievetheirbusinessgoals.Ourmissionistofuelthegrowthofsmallandmedium-sizedenterprises(SMEs)throughinnovativesolutions—includingfinancing,corporatecreditcards,andpaymentsystems.Wepartnerwithentrepreneurstohelpthemovercomechallenges,transformingtheirbusinessesintotrueenginesofeconomicgrowthwhilecontributingtothedevelopmentofourcommunity,ourcountry,andtheplanet.

Abouttherole:

AstheSr.ProductOwnerforCorePayments,youwillleadthestrategyandexecutionofourend-to-endpaymentprocessingroadmap,coveringbothMoneyIn(authorization,processingtransaction)andMoneyOut(disbursements,refunds,holdsandchargebacks).Yourmissionistodriveatransactionalvolumeexceeding1millionmonthlytransactions,maintaintop-tierapprovalrates,ensureaccuratereconciliationbetweenMoneyInandMoneyOut,andguaranteecompliancewithnetworkandregulatoryrequirements(Visa,Mastercard,AMEX,CNBV,Banxico),positioningoursolutionasacompetitiveleaderintheMexicanacquiringecosystem.

KeyResponsibilities

• RoadmapManagement:LeadtheCorePaymentsproductlifecyclefromideationtolaunch,generatingdocumentation(PRDs,userstorieswithtechnicalacceptancecriteria),definingcoreKPIs,andcoordinatingexecutiontorecoverandscaletotalpaymentvolume(TPV).
• End-to-EndPaymentProcessing:Ownthefunctionaldesignandevolutionofthepaymentinfrastructure(PaymentsAPI,Gateway,Switch,processorandnetworkconnections),ensuringavailability,performanceandscalabilityacrossCardPresentandCardNotPresentflows.
• Strategy,Segmentation&Routing:Defineanddesignthesmartroutingrulesbypaymentmethod,BINandissuer(Chip+PIN,Contactless,e-commerce)tomaintainanapprovalrateabove90%,whileoptimizingprocessingcostpertransaction.
• MoneyIn/MoneyOutReconciliation:Definethebusinessrules,controlsandoperationalprocessesforclearing,settlement,merchantpayouts,disbursements,refundsandholds,ensuringeverytransactionreconcilesendtoendandreducingdiscrepanciesandresolutiontimes.
• Certification&Compliance:Coordinateintegrationandcertificationcycles(e.g.,EMVL3)withengineers,processors(e.g.,PROSA,GETNET,e.global)andpaymentnetworks,guaranteeingcompliancewithPCI-DSSandnetworkstandardswithoutcreatingdevelopmentbottlenecks.
• OperationalResilience&Troubleshooting:PartnerwithTechonincidentanalysisandrootcause,definemonitoring,alertingandfailovermechanisms,andusedataandobservabilitytools(SQL,NewRelic)tominimizeimpactonapprovalrateandmerchantexperience.
• Testing&UserExperience:CollaboratewithBusinessandTechteamstoconductuseracceptancetesting(UAT)andcontinuouslyoptimizepaymentflowsandmerchantexperience.

RequiredProfile

• Experience:4+yearsinpaymentsproductmanagementorpaymentprocessing(CardPresentandCardNotPresent)withinFintechs,acquirers,paymentprocessors,orfinancialinstitutionsinMexico.ProventrackrecordoftakingproductsfromideationtolaunchwithameasurableimpactonTPV,approvalrate,reconciliationaccuracyorchargebackreduction.
• Education:Bachelor'sdegreeinEngineering(Systems,Software,Industrial,Financial),BusinessAdministration,Finance,orrelatedfields.AspecializationinProductManagement,DigitalPayments,orFintechishighlydesirable.
• TechnicalKnowledge:Deepunderstandingofend-to-endpaymentprocessinginMexico:paymentmethods(Chip,Contactless,QR,e-commerce),networks(Visa,Mastercard,AMEX),processorsandswitches,gatewayarchitectureandISO8583messaging,authorization,clearingandsettlementflows,chargebacklifecycle,SPEIdisbursements,andstandardslikeEMVL3andPCI-DSS.
• NicetoHave:Experiencewithfraudpreventiontoolsandriskscoring,MSIandprepaidvoucherprograms,andmerchantonboardingandKYCprocesses.PriorexperienceatcompaniessuchasClip,dLocal,MercadoPago,AdyenorSquare.
• SoftSkills: Englishproficiency.Analytical,strategic,results-orientedprofilewithstrongcross-functionalcollaborationskills(Tech,Business,Risk,Operations,Compliance).