Product Owner

About Us Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution. We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly. Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform. Our mission is to simplify global finance and remove friction from international business operations. Your mission We’re looking for a Product Owner who has hands-on experience with customer-facing financial products - someone who deeply understands how digital wallets, payment flows, and Open Banking should work from the user’s perspective. You’ll own the product experience of our wallet platform: from onboarding and KYC to deposits, payouts, and currency exchange. This is not a “write tickets and prioritize backlog” role. We’re looking for someone who has experience building high-quality fintech products and can bring strong product thinking, best practices, and a high execution standard to our platform. Your Tech Environment You’ll be working at the intersection of product, engineering, and operations in a modern, distributed payments platform. Our stack is built around Java (Spring Boot) and REST APIs on the backend, with React powering the frontend. Infrastructure runs on AWS, with multiple external integrations including payment providers and Open Banking connections. You will define how the product should work externally - APIs, merchant integrations, end-user flows, and admin tools - and work closely with engineering to deliver it. What You’ll Do Own the product vision and roadmap for the Peratera wallet platform Define how the product should work externally: APIs, merchant integrations, end-user flows, and admin tools Stay on top of Open Banking regulations, SEPA payment standards, and market trends Work closely with the engineering team (architect, developers, QA) and operations to ship improvements Collaborate with the COO on commercial priorities and merchant needs Translate business and compliance requirements into clear, well-structured specs Identify UX friction points and drive improvements that make the platform intuitive for merchants and their customers Define acceptance criteria with the engineering team Contribute to release quality gates and ensure features meet product standards before go-live What We’re Looking For Hands-on experience with customer-facing financial products (wallets, payments, Open Banking) Background at a high-standard fintech B2B or B2C Strong ability to translate business and compliance requirements into clear product specs Experience defining APIs and working closely with backend engineering teams Deep understanding of payment flows: onboarding, KYC, deposits, payouts, reconciliation Familiarity with Open Banking, SEPA standards, and relevant regulatory landscape Excellent communication and collaboration skills across engineering, operations, and commercial teams Nice to Have Experience with distributed, multi-provider payment platforms Familiarity with merchant integration use cases Understanding of async flows (callbacks, polling, retries) from a product perspective What You’ll Get Competitive, market-aligned compensation Opportunity to work on a high-impact product with real-world scale Modern tech environment and engineering-driven culture International, distributed team with a collaborative mindset Remote-friendly setup with flexible working hours Supportive team culture focused on knowledge sharing and ownership Sounds like a match? Send us your CV - we’re excited to get to know you. About us Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution. We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly. Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform. Our mission is to simplify global finance and remove friction from international business operations. www.peratera.com