Senior Product Owner (Acquiring, Open Banking)

Location: Ukraine
Workplace type: Remote
Employment type: Full-time
Description
F1Service is looking for a Senior Product Owner (Acquiring, Open Banking) for our client, a leading international Electronic Money Institution (EMI). The company is licensed in the UK, Canada and Malta, operates in 140+ countries and 25+ industries, and offers multicurrency IBANs, merchant solutions, mass payments, acquiring and open banking through one platform.
You will own the product lifecycle end to end, define and prioritise features, and work with cross-functional teams to deliver fintech products on time and with high quality.
What you will do
Product Discovery & Delivery
Own product initiatives end to end, from idea to production rollout
Turn business goals into clear requirements, epics and user stories
Prioritise the backlog by value, effort, compliance and risk
Define acceptance criteria and keep the backlog clean and structured
Stakeholder Management
Work closely with Compliance, Operations, Engineering, Finance and Customer Support
Gather requirements, negotiate priorities and align expectations
Run workshops, discovery sessions and status reviews
Communicate product decisions, timelines and trade-offs clearly
Technical & SDLC Collaboration
Work daily with engineering to clarify scope, manage dependencies and unblock delivery
Make sure requirements are groomed before development
Validate technical feasibility with architects and developers
Support QA with test cases and take part in UAT
User Experience & UX Analytics
Advocate for user-centric design across customer journeys and internal workflows
Review wireframes, prototypes and UI designs
Use UX analytics (heatmaps, session recordings, funnel analysis) to find pain points
Turn insights into measurable product improvements
What we expect
General
3+ years as a Product Owner or in product management in Fintech, EMI, PSP or Banking
Solid understanding of the fintech ecosystem, payment schemes and banking integrations
API familiarity: reading API docs, understanding request-response flows
Experience with Acquiring, Pay by Bank, Checkout and Open Banking (Open Banking optional)
Hard skills
Strong expertise in card and merchant acquiring and e-commerce payment acceptance
Deep knowledge of the card payment lifecycle: authorization, clearing, settlement, refunds, reversals, chargebacks
Integrations with gateways, acquirers, PSPs, card schemes (Visa, Mastercard) and APMs
Card scheme rules, interchange, scheme fees, IC++ and blended pricing, merchant settlement
Merchant onboarding, underwriting, risk assessment and lifecycle management
Fraud prevention, 3DS, authorization optimization, soft declines and authentication flows
Payment orchestration, routing, smart retries, failover and multi-acquirer setups
Merchant reporting, reconciliation, settlement, payouts and reserve management
SQL and data-driven analysis of authorization, conversion, acceptance and chargeback rates
Ability to turn acquiring and card scheme requirements into scalable product solutions, API design and payment workflows
Soft skills
Ownership mindset and proactive problem-solving
Strong communication and ability to simplify complex topics
High attention to detail and ability to structure ambiguous inputs
User-centric mindset, balancing business and tech perspectives
Conditions
Compensation: up to $5,000 per month
Annual Learning & Development budget
Regular KPI-based performance reviews
Transparent career path: Lead within 1 year, Head within 2 years, C-level within 4 years based on performance
Extra bonuses for ideas through the internal Ideas Hub
Public holidays aligned with your country’s calendar
Flexible payout options: PE accounts or popular e-wallets

Work arrangement
Yes