Role

• Define and manage the product roadmap for card payment processing and authorisation flow and interactions with the card ledger.
• Own the end-to-end credit card transaction flows including authorisation, clearing, settlement, chargebacks, and cashback accounting for transaction types and edge cases.
• Work with engineering and finance to shape technical product direction for the in-house ledger, becoming a subject matter expert.
• Influence system architecture decisions aligning product logic with scheme and regulatory constraints.

Technical expertise and collaboration

• Translate business rules and scheme requirements into clear technical specifications for authorisation and processing systems.
• Maintain up-to-date system documentation, process diagrams, and test case mappings for quality assurance and compliance.
• Identify and document Visa and Mastercard requirements relevant for launch, ensuring incorporation into system flows and data.

Product development and growth

• Use card payments knowledge to map transaction flows and work with product, engineering, finance, and risk teams.
• Develop technical and domain expertise, mastering card payments, scheme requirements, and regulatory frameworks.
• Take a product from concept to market and iterate based on feedback and test data.

Requirements

• Experience working on card payments, issuing, and processing systems including tokenisation and scheme integration.
• Practical knowledge of payment protocols and standards such as EMV, PCI, Visa/Mastercard scheme requirements.
• Ability to map transaction flows, define system behaviours, write clear functional requirements.
• Experience with RESTful services, monitoring and alerting tools, and browser-based testing and debugging.
• Collaborative approach working with cross-functional teams and clear technical communication.

Bonus

• Familiarity with full card lifecycle including onboarding, fraud, and dispute handling.
• Experience with ISO 20022 and PSD3 regulatory frameworks.
• Comfortable working in early-stage product environment with evolving requirements.

Location and Working Mode

• Hybrid role based in London, UK.