Key Responsibilities

• Define and execute a core processing strategy, ensuring seamless, secure, and efficient transaction flows.
• Own the roadmap for authorization, capture, refund, and chargeback logic.
• Manage multi-entity, multi-currency wallet structures and settlement processes.
• Integrate card scheme mandates and compliance-driven changes.
• Implement network tokenization and recurring transaction management.
• Improve performance and resilience to support high-volume, global acquiring.
• Introduce AI-driven capabilities to optimize approval rates, detect anomalies, and enhance fraud prevention.

Governance & Compliance

• Ensure strict compliance with card scheme mandates, PCI DSS, PSD2, and regional regulations.
• Stay ahead of scheme bulletins and regulatory changes, proactively embedding them into product design.

Innovation & Advanced Features

• Collaborate with AI teams to develop predictive analytics for transaction routing and fraud detection.
• Explore opportunities for automation in reconciliation, settlement validation, and dispute handling.

Collaboration & Influence

• Partner with internal stakeholders to ensure business readiness for new mandates and features.
• Act as the go-to subject matter expert for processing flows and card scheme rules across the organization.

Monitoring & Optimization

• Define and track KPIs such as authorization success rate, settlement accuracy, and processing latency.
• Drive continuous optimization through data analytics and AI-powered insights.

Required Skills & Experience

• 5+ years of product management experience in payments, acquiring, or core processing systems.
• Strong expertise in card scheme rules and mandates (Visa, Mastercard).
• Expertise in wallet architecture and multi-entity settlement models.
• Familiarity with IC++ pricing and scheme fee structures.
• Proven ability to create detailed technical and functional specifications.
• Experience with AI/ML use cases in payments (fraud prevention, predictive optimization).
• Strong experience working with agile delivery frameworks such as SAFe and Scrum.
• Excellent stakeholder management and communication skills.

Nice-to-Have

• Knowledge of network tokenization, risk management systems, and reconciliation automation.
• Exposure to multi-region acquiring environments (LATAM, EU, Asia).
• Understanding of regulatory frameworks such as PCI DSS, PSD2, and AML.