What are the responsibilities and job description for the Product Manager - Merchant Acquiring position at Photon?
For the past 20 years, Photon has powered many Digital Experiences for the Fortune 500. Since 1999, we have grown from a few people to more than 4000 team members across the globe that are engaged in various Digital Modernization. For a brief 1 minute video about us, you can check .https://youtu.be/uJWBWQZEA6o.
Job Title: Sr.Product Manager/ Product Owner – Merchant Acquiring or Embedded Finance Domain
Job Location: Berkeley Heights, NJ / Alpharetta, GA
Job Type: Full Time
Experience: 10 years (Banking / Financial Services preferred)
Job Summary:
We are seeking a highly analytical and detail-oriented Sr.Product Manager with strong experience in the Merchant Acquiring or Embedded Finance Domain. The ideal candidate will act as a bridge between business stakeholders and engineering teams — driving clarity through detailed product documentation, transaction and funding flow design, and precise technical collaboration.
Key Responsibilities:
Requirements Gathering & Documentation
Experience on Merchant Acquiring/Embedded Finance is a MUST.
Create comprehensive Product Requirement Documents (PRDs) and detailed functional specifications.
Document product flows, transaction lifecycles, and funding processes for digital banking or payments systems.
Maintain up-to-date user stories, acceptance criteria, and business rules in collaboration with product managers.
Technical Collaboration & Delivery Support
Act as a senior business analyst and primary liaison between product, engineering, and QA teams.
Partner with technical leads to translate business requirements into technical design specifications.
Work with API teams, UI/UX designers, and data analysts to ensure alignment with product goals.
Process & Flow Design
Develop detailed process maps, data flow diagrams, and system interaction flows using tools like Visio, Lucidchart, or Miro.
Ensure accuracy of transaction journeys — from initiation to settlement — including all funding and reconciliation steps.
Product & Release Management
Participate in backlog grooming, sprint planning, and UAT coordination.
Review QA test cases and validate outcomes against business requirements.
Track delivery milestones and ensure high-quality, on-time release execution.
Core Skills & Competencies
Strong expertise in writing requirements, business process mapping, and transaction flow documentation.
Proven experience working with engineering and product teams in an Agile environment.
Hands-on with JIRA, Confluence, Lucidchart, MS Visio, or similar tools.
Excellent communication and stakeholder management skills — both business and technical.
Analytical mindset with attention to detail, structure, and accuracy.
Preferred Experience
10 years of relevant experience as a Product Manager in Merchant Acquiring or Embedded Finance Domain
Familiarity with Merchant pay-ins and Payouts, Instructional funding, and embedded finance
Exposure to APIs, microservices, and modern digital banking platforms is highly desirable.