Product Owner (Credit Card Digital Banking)

Job Overview:

Our direct is seeking a technology‑centric Product Owner for Credit Card Digital Banking who can own the product backlog, prioritize releases, and drive delivery across complex technical ecosystems.

This role requires a developer or architect‑turned Product Owner with deep understanding of API integrations, backend systems, data models, and end‑to‑end process flows, working closely with engineering teams.

The Product Owner will be responsible for building and integrating digital banking frontend capabilities with backend services and data platforms, balancing business outcomes with technical feasibility and platform scalability

Responsibilities:

• Own and manage the product backlog end‑to‑end, including grooming, prioritization, and readiness for multiple release trains.
• Translate credit‑card business objectives into clear technical product roadmaps, epics, and release plans.
• Define epics, user stories, and acceptance criteria with strong technical depth, ensuring alignment with backend services, APIs, and data models.
• Prioritize features and releases based on architectural dependencies, platform readiness, risk, and business value.
• Act as the single point of accountability between engineering, architecture, API, data, and platform teams.
• Drive decisions around API contracts, payload structures, service orchestration, canonical data models, and integration patterns.
• Review and validate technical designs and process flows, ensuring feasibility and alignment to target architecture.
• Partner closely with engineering leads and QA to ensure robust backend, API, and UI test coverage.
• Proactively identify and remove technical dependencies, integration risks, and delivery blockers.
• Validate releases post‑production using KPIs, system performance metrics, and data quality checks.
• Clearly communicate technical and delivery trade‑offs to stakeholders and leadership.

Qualifications:

• 5 years of experience in digital banking / fintech, with hands‑on technical background (developer, senior engineer, or architect before moving into Product Ownership).
• Strong experience in credit card platforms, including application lifecycle, onboarding, transactions, rewards, disputes, and fraud.
• Proven experience owning backlogs and release prioritization in agile / scaled‑agile environments.
• Deep understanding of:
• API‑driven architectures (REST/JSON, microservices)
• Backend systems and integration patterns
• Data models and enterprise data platforms
• End‑to‑end process flows across channels and systems
• Ability to write and interpret SQL queries and analyze backend data to support decision‑making.
• Strong command of technical concepts to effectively challenge designs and collaborate with engineers.
• Excellent communication skills with the ability to bridge business requirements and engineering execution.

Nice to Have

• Prior experience working on large‑scale digital banking or credit card transformation programs
• Exposure to cloud‑native platforms, event‑driven architectures, or enterprise integration layers
• Experience working in platform‑based product models rather than project‑based delivery