Senior Card Scheme & Transaction Processing Product Owner

Own the full card transaction lifecycle (authorization, clearing, settlement, posting), govern Visa/Mastercard scheme changes, and continuously improve process frameworks and operating procedures

Oversee all reconciliation activities (scheme/network, settlement, GL), drive timely resolution of breaks and discrepancies, and set tolerance thresholds, controls, and escalation frameworks

Act as the central point of contact for Finance & Accounting, Operations, Technology, and external partners (schemes, processors, vendors), enabling cross-functional collaboration to drive issue resolution

Define and track KPIs (reconciliation timeliness, processing accuracy), build reporting dashboards for leadership, and conduct root cause analysis to eliminate recurring issues

Identify and implement automation, digitization, and standardization opportunities, including platform migrations, reconciliation tool implementations, and best practices like auto-matching and exception-based processing

Ensure adherence to card scheme rules (Visa, Mastercard), regulatory requirements (PSD2, AML), and internal governance policies, while managing the impact of regulatory changes and maintaining incident tracking for governance forums

5+ years of experience in leading card scheme management, payments, or financial operations

Strong understanding of:

• Card transaction lifecycle

• Reconciliation processes

• Payment schemes (Visa/Mastercard)

Experience working across finance, operations, and technology teams

Fluent in English

A self-driven, proactive mindset with ability to thrive in a fast-paced environment

Work on high-impact payments infrastructure across multiple markets

Be part of a dynamic, fast-growing environment

Drive real transformation and automation initiatives

Collaborate with cross-functional and international teams

Take ownership and shape processes end-to-end