Product Owner Payments (Instant Payments Focus)

Hi,

It was nice talking you on LinkedIn. Here I m sharing the complete job details with our direct client, kindly go through it and share your thoughts.

Brief about M3bi:

M3bi is a new generation IT Services Company specializing in Business Intelligence, Data Warehousing & Data Analytics! The team at M3bi stands for enabling enterprises with an enriched and controlled view of their business and data. Our primary focus is around data analytics, testing automation and end-to-end delivery of Data Management programs for large Financial Services and Healthcare clients. Attached herewith is the Job Description for the role If you or someone you know fits the profile description and is interested , please send across your profile to

Job Title: Product Owner Payments (Instant Payments Focus)

Location New Jersey (NJ) or New York (NY),

Duration : Long Term

Role Overview:

We are seeking a seasoned Product Owner with deep expertise in the Payments domain, particularly with hands-on experience in Instant Payments implementation. This role demands a strategic thinker who can design holistic solutions, challenge existing paradigms constructively, and drive Product vision and execution in a fast-evolving payments landscape.

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Key Responsibilities:

• Lead the product strategy and roadmap for Instant Payments, aligning with business goals and market trends.
• Drive end-to-end implementation of Instant Payments solutions, including integration with payment networks and real-time settlement systems.
• Collaborate cross-functionally with engineering, operations, compliance, and client teams to deliver scalable and secure payment solutions.
• Define and write clear business requirements, epics, and user stories to guide development teams.
• Engage with clients and stakeholders to understand needs, gather feedback, and ensure alignment with product objectives.
• Constructively challenge existing processes and structures to define optimal product objectives and delivery frameworks.
• Ensure compliance with regulatory standards and industry best practices in payment processing.
• Monitor market trends and competitor offerings to inform product decisions and maintain competitive advantage.

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Required Skills & Qualifications:

• Minimum 12 years of experience in the Payments industry, with at least 3 5 years focused on Instant Payments.
• Proven track record of hands-on implementation of Instant Payments systems (e.g., RTP, FedNow, SEPA Instant).
• Strong understanding of payment messaging structures (ISO 20022, SWIFT, NACHA, etc.).
• Ability to think holistically and architect solutions that span multiple systems and stakeholders.
• Excellent oral and written communication skills; able to convey complex concepts clearly and persuasively.
• Demonstrated client-facing experience, including stakeholder management and solution presentations.
• Experience in writing business requirements, epics, and user stories in Agile environments.
• Deep knowledge of the payments ecosystem, including regulatory frameworks, settlement processes, and emerging technologies.
• Strong analytical and problem-solving skills with a proactive and collaborative mindset.

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Preferred Qualifications:

• Experience working with US-based payment systems such as FedNow, RTP (The Clearing House), and Zelle.
• Familiarity with Agile/Scrum methodologies and tools like Jira, Confluence, and Figma.
• Prior experience in financial institutions, fintechs, or payment processors.

Thanks & Regards