Product Manager (Fintech, Digital banking, Payments)

Greetings From Photon,

We hope you are staying safe. We are hiring Product Manager to join our Digital Engineering team.

Who are we?

For the past 20 years, we have powered many Digital Experiences for the Fortune 500. Since 1999, we have grown from a few people to more than 4000 team members across the globe that are engaged in various Digital Modernization.

Product Manager | Berkeley Heights, NJ (Onsite) | Fulltime or Contract

Job Summary

We are seeking a highly analytical and detail-oriented Product Manager with strong experience in the Merchant Acquiring or Embedded Finance Domain. The ideal candidate will act as a bridge between business stakeholders and engineering teams driving clarity through detailed product documentation, transaction and funding flow design, and precise technical collaboration.

Key Responsibilities

• Requirements Gathering & Documentation
  • Create comprehensive Product Requirement Documents (PRDs) and detailed functional specifications.
  • Document product flows, transaction lifecycles, and funding processes for digital banking or payments systems.
  • Maintain up-to-date user stories, acceptance criteria, and business rules in collaboration with product managers.
• Technical Collaboration & Delivery Support
  • Act as a senior business analyst and primary liaison between product, engineering, and QA teams.
  • Partner with technical leads to translate business requirements into technical design specifications.
  • Work with API teams, UI/UX designers, and data analysts to ensure alignment with product goals.
• Process & Flow Design
  • Develop detailed process maps, data flow diagrams, and system interaction flows using tools like Visio, Lucidchart, or Miro.
  • Ensure accuracy of transaction journeys from initiation to settlement including all funding and reconciliation steps.
• Product & Release Management
  • Participate in backlog grooming, sprint planning, and UAT coordination.
  • Review QA test cases and validate outcomes against business requirements.
  • Track delivery milestones and ensure high-quality, on-time release execution.

Core Skills & Competencies

• Strong expertise in writing requirements, business process mapping, and transaction flow documentation.
• Proven experience working with engineering and product teams in an Agile environment.
• Hands-on with JIRA, Confluence, Lucidchart, MS Visio, or similar tools.
• Excellent communication and stakeholder management skills both business and technical.
• Analytical mindset with attention to detail, structure, and accuracy.

Preferred Experience

• 10+ years of relevant experience as a Product Manager in Merchant Acquiring or Embedded Finance Domain
• Familiarity with Merchant pay-ins and Payouts, Instructional funding, and embedded finance
• Exposure to APIs, microservices, and modern digital banking platforms is highly desirable.

Education

• Bachelor s degree in Business Administration, Information Systems, Computer Science, or related field.
• Certification in Agile / Scrum or Business Analysis (e.g., CBAP) is a plus.