Product Owner (SEPA Payments)

We are looking for an experienced Product Owner – SEPA Payments to join a European fintech company operating in the digital banking and payments space.
The company provides payment solutions for retail customers, SMEs, and embedded banking partners and is currently expanding its payment infrastructure across Europe.
This is a hands-on product role with full ownership of critical European payment rails and close collaboration with engineering, operations, compliance, banking partners, and payment infrastructure providers.

What you will do:

• Own the end-to-end development of SEPA payment flows, including:
  • SEPA Credit Transfer (SCT)
  • SEPA Instant (SCT Inst)
  • SEPA Direct Debit (SDD Core)
  • TARGET2 / T2-related payment flows
• Define and drive the payments product roadmap.
• Translate regulatory requirements, EPC scheme rules, and clearing requirements into clear product specifications and technical requirements.
• Work closely with engineering teams on APIs, payment processing logic, routing, settlement, and reconciliation.
• Monitor transaction health, STP rates, exceptions, returns, recalls, and other R-transactions.
• Improve payment reliability, scalability, and operational efficiency.
• Collaborate with payment clearing infrastructure and external banking partners.
• Act as an internal subject matter expert on European payment rails.
• Manage the product backlog and coordinate delivery across technical and business stakeholders.

What we are looking for:

• 3+ years of experience as a Product Owner, Technical Product Manager, or in a similar senior product role within fintech, banking, or payments.
• Strong hands-on knowledge of SEPA Credit Transfer, SEPA Instant, and/or SEPA Direct Debit.
• Good understanding of ISO 20022 message formats, including pain, pacs, and camt.
• Experience with payment processing flows, clearing, settlement, reconciliation, and exception handling.
• Understanding of payment gateways, routing logic, ledger accounting, and settlement cycles.
• Experience working with European payment infrastructure such as TIPS, T2, EBA CLEARING, CENTROlink, or similar systems is highly desirable.
• Ability to translate complex payment and regulatory requirements into product and technical specifications.
• Strong backlog and stakeholder management skills.
• Fluent English.

Nice to have:

• Experience working within an EMI, digital bank, PSP, payment processor, or core banking provider.
• Lithuanian language skills.
• Experience launching or scaling SEPA Instant or Direct Debit products.

What the company offers:

• Full ownership of mission-critical payment infrastructure.
• Direct impact on the development of European banking products.
• Close collaboration with senior leadership and technical teams.
• Lean decision-making environment with limited bureaucracy.
• Flexible working conditions.
• Competitive compensation depending on experience.

We look forward to receiving your CV and learning more about your experience!

Dear Candidates, due to a high volume of applications, only selected candidates will be contacted for interviews. We appreciate your understanding. Thank you for considering a career with us.