Senior Card Scheme & Transaction Processing Product Owner

About the Role

We are looking for a hands-on, self-driven Cards & Payments expert to take ownership of our end-to-end card scheme management, transaction lifecycle and reconciliation processes. This is a high-impact role where you will drive operational excellence, financial control, and continuous improvement across our card payment ecosystem.

If you thrive in a fast-moving environment and enjoy working at the intersection of finance, operations, and technology, this role is for you.

What You’ll Do

• 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

What We’re Looking For

• 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

Why Join Us?

• 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