At EY, we’re all in to shape your future with confidence. We’ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go. Join EY and help to build a better working world. Job Title: Product Owner – Cards And Payments Required Technical and Professional Expertise 8+ years’ experience in banking payments transformations or implementing new payment systems 3+ years’ of experience as a Product Owner or similar role in the payments or financial services domain. 5+ years’ experience in building digital payment channels and leading large-scale modernization programs, including the development of microservices, API frameworks, and BIAN APIs. Strong understanding of payment systems, processing, and industry trends (e.g., ISO 20022, digital wallets, payment gateways). Excellent communication, collaboration, and interpersonal skills. Ability to analyze complex data and make data-driven decisions. Familiarity with Agile methodologies and tools (e.g., Scrum, Kanban, JIRA). Strong problem-solving skills and a customer-centric mindset. Experience with API integrations and payment technologies. Knowledge of regulatory requirements in the payments industry (e.g., PCI DSS, PSD2). Certification in Product Management or Agile methodologies (e.g., Certified Scrum Product Owner). Strong knowledge and experience across Payments & Cards domains Strong knowledge and experience across Payments messaging standards such as NACHA, ISO 8583, ISO 20022, SWIFT Strong knowledge of upstream and downstream systems in payments landscape like Core banking, Payment Switches, Compliance, FX, Advising, Billing etc. Strong knowledge about one or more payment systems e.g. Electronic Transfer, Cheque Clearing/ACH, Card/ATM Networks, RTGS, Cash Management etc. Strong Knowledge of clearing, settlement and Dispute Management process. Good Knowledge of Omni Channel payment ecosystem Good Knowledge of Payments value chain involving Fraud and Dispute management, Network regulation and compliance. Proven track record of successfully leading multiple projects and change management initiatives in a fast-paced and complex environment including liaising with external third-party companies as necessary. Requirement Elicitation, Capture and analysis with documentation – creating user stories, acceptance criteria and other technical documentation. Extensive experience in the delivery of complex consulting services projects within the Financial Services Industry, focussed on Payments domain. Knowledge of current business trends (e.g., EPI, CBDCs, BNPL, Open Banking) and technological market trends (e.g., Hybrid Cloud, Artificial Intelligence, Digital, Microservices / APIs) Knowledge of payments regulations like SEPA, BASEL, PSD2, PCIDSS, AML Skills and experience BE/BTech+ MBA candidates with a minimum of 8 years of experience in client facing consulting roles Bring deep industry expertise in payments & digital banking and large-scale payments modernization programs Strong hands-on development experience with programming languages (e.g., Java, Python, C#, or similar) and frameworks relevant to payment systems. Extensive knowledge and experience in database design and optimization on platforms such as Oracle, MySQL, and MongoDB. Provide innovative ideas with our clients to explore disruptive strategies that create business value, including usage of new age technologies, such as Blockchain and AI. Proven experience in implementing payment solutions across multiple platforms and channels using integration patterns such as API, ESB, and Batch File interfaces. Behavioral Attributes: Analytical, organized, team player, relishes working in a multicultural, multi-national business context. Strong delivery mindset, customer focus, commitment to results and high-quality standards. Good communication skills, teamwork and customer focus are essential. Building influential relationships with colleagues, partners and customers is an essential part of the Services team strategy for success to date Being able to work independently or in a team as needed EY | Building a better working world EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets. Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow. EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories.