Product Owner Payments

What we do?

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

We are currently looking for a Product Owner Payments ready to join our adventure, share our ambition and help shape the future of digital banking.What you will be doing?

In this role, you will lead a dedicated payment product team comprising analysts, developers, and testers. You will act as the connector between business strategy and technical execution, ensuring the delivery of robust payment solutions. You will hold responsibility for the product roadmap, backlog prioritization, and commercial success, while fostering a collaborative environment for your team to thrive.

1. Business Ownership & Strategy

• Strategy & P/L: Define the strategy for the payments vertical, holding ownership for the product P/L, including revenue, margin growth, and pricing strategies.

• Market Success: Drive commercial success by running product discovery, benchmarking global trends, and developing Unique Selling Propositions (USPs).

• Funnel Management: Maintain ultimate ownership of the product origination funnel, optimizing the conversion of leads into booked products.

• Financial Modeling: Run simulations to derive the expected financial impact of product changes, new promotions, or re-pricing.

2. Product Management & Payments Domain

• Payment Schemes & Features: Oversee the lifecycle of domestic and international payment rails, including Elixir, Express Elixir, SORBNET, SWIFT, and SEPA.

• Core Functionalities: Design and manage key product capabilities including Liquidity Management (Cash Pooling), Virtual Accounts, Direct Debits, Standing Orders, Batch Payments, as well as Split Payment Mechanism (MPP) and the White List of VAT Payers.

• Regulatory Compliance: Monitor and ensure compliance with the comprehensive regulatory framework affecting payment products. This includes EU and local regulations, PSD2, AML/CTF standards, and tax-related requirements.

• Standardization: Lead the migration and alignment with ISO20022 standards and manage MT/MX message formats.

• Documentation: Ensure high standards for solution design documentation in Jira, including Epics, User Stories, and acceptance criteria.

• Supplier Management: Procure and manage relationships with external suppliers, including contract ownership and facilitation of GDPR/Security assessments.

3. Delivery Team Leadership

• People Management: Act as the Line Manager for your product delivery team, empowering your people and shaping the team structure.

• Agile Leadership: Execute the role of the Scrum Lead for agile rituals (release planning, sprint planning, scope grooming) and monitor team velocity.

• Backlog Management: Define and prioritize the backlog based on business value and customer needs.

• Testing & Quality: Specify test cases, oversee User Acceptance Testing (UAT), and make the final decision on product readiness for commercial launch.

Skills you should have

• Product Expertise: 5+ years of experience in fintech or banking, with a primary focus on driving product development from a business perspective.

• Domain Knowledge: Deep understanding of the payments landscape, including Elixir, SORBNET, SWIFT, SEPA, and ISO20022.

• Regulatory Awareness: Solid knowledge of EU and local regulations impacting payments, including PSD2, AML/CTF, and relevant tax mechanisms.

• Managerial Experience: Proven track record in people management, strategic planning, and P/L responsibility.

• Analytical Mindset: Ability to analyze market dynamics, run financial simulations, and quickly learn evolving regulations.

• Communication: Strong networking and stakeholder engagement skills, with the ability to efficiently communicate in both Polish and English.

• Technical Fluency: Familiarity with API integrations, Microservices architecture, and JIRA.

What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. 
Unless limited by banking regulations we offer a flexible form of contract.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location: home/office —  according to your preference. 
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package. 
We care for our colleagues' well being, therefore we cover psychological consultations if you ever feel you need such support. 
Aion bank account without fee. 
We co-sponsor your Multisport card and cover 50% of its cost. 
You will work on computer equipment that delivers the best user experience — Apple MacBook. 
If you feel like working from the office, we have beautiful space available for you in Brussels and Warsaw. Each office is very nicely located with convenient commute options by public transport and by bike. Our office in Warsaw offers healthy snacks throughout the day. 

Our process

We keep our recruiting process simple. 
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment

Our note to you

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck

Contact information

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