Product Owner - Consumer Mobile Application

Job Title: Product Owner Consumer Mobile Applications (Payments / Fintech)

Location: Sunnyvale, CA
Experience: 10 12+ years overall; 4+ years as Product Owner
About Us:

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. Our current focus and innovation in Digital Hyper expansion TM offers nearly limitless opportunities for career growth.
Job Summary

We are seeking an experienced Product Owner to lead the development and evolution of consumer-facing mobile applications in the payments and fintech ecosystem. The ideal candidate will have hands-on experience delivering mobile products similar to the Clover Consumer App / Starbucks / Chick-fil-A / Square/ Punchh, including loyalty, rewards, mobile ordering, digital payments, and customer engagement features. This role will work closely with engineering, UX, payments, and business stakeholders to deliver scalable, secure, and user-centric mobile solutions.

Key Responsibilities

• Own and manage the product backlog for consumer mobile applications (iOS & Android) supporting payments, loyalty, rewards, and merchant discovery.
• Translate business requirements and customer needs into clear user stories, acceptance criteria, and functional specifications.
• Lead Agile ceremonies including backlog grooming, sprint planning, sprint reviews, and retrospectives.
• Collaborate with UX/UI teams to deliver intuitive, frictionless mobile experiences for consumers.
• Work closely with engineering teams to support features such as:
• Mobile payments & wallets
• Loyalty programs and rewards
• Order-ahead / mobile ordering
• Auto-pay / contactless payments
• Notifications, offers, and promotions
• Partner with payments, risk, compliance, and security teams to ensure adherence to PCI, data privacy, and regulatory standards.
• Analyze product performance using KPIs, user analytics, funnels, and A/B testing to drive continuous improvement.
• Coordinate with merchant platforms and backend services, ensuring seamless API integrations.
• Act as the primary point of contact between stakeholders and delivery teams, ensuring alignment on scope, priorities, and timelines.
• Support go-to-market planning, feature launches, and post-release optimizations.

Required Qualifications

• Bachelor s degree in Computer Science, Engineering, Business, or related field.
• 8+ years of experience in product management / product ownership.
• Proven experience working on consumer mobile apps in fintech, payments, POS, or digital commerce domains.
• Strong understanding of mobile app ecosystems, including iOS/Android release cycles.
• Experience with digital payments, loyalty systems, or consumer engagement platforms (e.g., POS-integrated apps like Clover).
• Hands-on experience writing epics, user stories, acceptance criteria, and managing backlogs in Jira or similar tools.
• Solid understanding of REST APIs, backend services, and system integrations.
• Strong Agile/Scrum knowledge; CSPO or SAFe PO/PM certification is a plus.
• Excellent communication, stakeholder management, and problem-solving skills.

Preferred Qualifications

• Experience with merchant services, POS platforms, or payment gateways.
• Familiarity with tokenization, wallets, contactless payments, and QR-based flows.
• Experience working in high-scale consumer apps with millions of users.
• Exposure to data analytics tools (Amplitude, Mixpanel, GA, etc.).
• Background in fintech or payments companies in Silicon Valley or similar ecosystems.

Why Join Us

• Work on high-impact consumer products used daily by customers.
• Collaborate with cross-functional teams in a fast-paced fintech environment.
• Competitive compensation and benefits.
• Opportunity to shape the future of mobile payments and consumer commerce.