Product Analyst/Owner Cards and Payments

Job Summary We are seeking an experienced Product Analyst/Owner with deep expertise in the Credit Card and Payments domain. The ideal candidate will have a strong background in end-to-end credit card issuer lifecycle, regulatory compliance, and functional implementation of card development projects. This role involves collaborating with business stakeholders, defining requirements, and ensuring successful delivery of card-related solutions. Key Responsibilities Collaborate with business stakeholders to understand and document current processes and automation requirements. Demonstrate and articulate functional implementation for card development projects. Define and document detailed business requirements, including process flows, use cases, and user stories. Facilitate workshops and meetings to gather input and feedback from business users and subject matter experts. Work with IT teams to translate business requirements into technical specifications. Create test plans, develop test cases, and conduct testing to ensure solutions meet business needs. Provide training and support to end-users for successful adoption of solutions. Stay updated on industry best practices and emerging trends in cards and payments. Required Qualifications 12+ years of experience in Credit Card and Payments within the banking industry. 8+ years of experience in the end-to-end lifecycle of credit card issuer operations. Expertise in: Card application and account management Credit terms, rewards, and benefits Payment processing, billing, and collections Monetary and non-monetary processing Credit Bureau processing, reissue, and month-end processing Experience with payments, rewards, rules processing, configurations, and reporting. Knowledge of regulatory compliance related to interest rates and cardholder data. Working knowledge of credit card issuer lifecycle for businesses, merchants, and financial institutions. Good to have: familiarity with BIAN methodology and standards. Preferred Qualifications Experience with automation tools and process improvement initiatives. Familiarity with Agile methodologies and user story documentation. Behavioral Skills Strong communication and interpersonal skills. Ability to work in a dynamic environment and manage day-to-day challenges. Flexible to rotational shifts (5 days WFO). Strong problem-solving and analytical skills. Ability to work independently and as part of a team. Education: Bachelors Degree