About this Product Owner (Back Office) role at Unlimit
What You’ll Be Doing
Own the Backoffice end-to-end: be accountable for functionality, business logic, data model, documentation, roadmap, and overall system lifecycle.
Own reconciliation processes: define matching rules, tolerance thresholds, and break management; monitor reconciliation quality and reduce manual intervention and recurring discrepancies.
Own settlement and payouts: manage settlement business logic, including settlement cycles, fees, reserves, netting, FX, and adjustments, while ensuring payout transparency and control.
Ensure wallet and ledger integrity: define wallet and balance rules across currencies, monitor the correctness of money movements, and prevent unexplained discrepancies and balance inconsistencies.
Drive requirements and roadmap: translate operational, regulatory, and business needs into a prioritized backlog, write clear and testable requirements, and make trade-off decisions together with Engineering.
Own delivery and release quality: define acceptance criteria, lead UAT, coordinate business testing, approve releases, and verify outcomes after deployment.
Manage incidents and operational continuity: act as the escalation point for critical incidents, assess financial impact, coordinate remediation and post-incident reviews, and oversee financial data correction processes.
Partner with Finance, Compliance, Support, and Audit: provide required documentation and evidence, support regulatory and audit requirements, participate in month-end close, and train Back office users.
Qualifications You Will Bring
4+ years of experience in payments / PSP / acquiring / e-money / fintech / banking, with hands-on experience owning reconciliation, settlement, or ledger processes.
Strong understanding of the payment lifecycle: authorization, capture, refunds, chargebacks, representments, and their impact on money movement and balances.
Knowledge of card schemes and APMs: understanding of settlement timing, provider files, fee structures, and dispute mechanics across different payment methods.
Strong understanding of accounting and ledger principles: double-entry accounting, wallets, multi-currency, and FX.
Strong SQL skills: ability to independently investigate production data and identify the root causes of financial discrepancies.
Experience working with payment data and integrations: CSV/XML/JSON, SFTP, APIs, and reconciliation of data from different sources.
End-to-end ownership experience: proven ability to own a product or process, define requirements, manage a backlog, run UAT, and drive delivery across multiple teams.
High attention to detail and an analytical mindset: ability to work with financial data, validate assumptions using evidence, and thoroughly investigate discrepancies. Fluent written English.
Nice-to-Have
Experience onboarding new payment schemes / APMs, including provider reports, field mapping, fees, refunds, and chargebacks.
Knowledge of PCI DSS, AML, safeguarding/client money, and regulatory reporting requirements.
Experience working with Finance and accounting systems, including GL interfaces, month-end close, and merchant liability reporting.
Experience building and improving operational controls, automating reconciliation, and reducing manual intervention.
