Product Owner/Technical Business Analyst

Payment Industry Experience:

• Strong understanding of payment gateways, payment processors, and acquiring banks.
• In-Depth knowledge of payment types such as Credit Cards, ACH, PayPal, Digit Wallets (Visa SRC, Apple Pay etc.), and alternative payment methods.
• Strong understanding with payment processing workflows, including authorization, capture, settlement, chargebacks, refunds, and disputes.
• Experience with subscription billing models or recurring payments.
• Experience with payment card data security standards (PCI DSS) and other relevant regulations, such as the General Data Protection Regulation (GDPR).

Technical Skills:

• Familiarity with high-volume and high-visibility payment systems.
• Hands-on experience with APIs related to payment and integration (e.g., REST, SOAP, XML and JSON).
• Understanding of encryption and tokenization techniques used to secure payment card data in transit and at rest.
• Exposure to payment orchestration platform and tools.
• Knowledge if payment fraud detection and mitigation techniques.
• Knowledge of batch and real-time transaction processing systems.

Agile Methodology Expertise:

• Proficient in Agile frameworks (Scrum, Kanban etc.).
• Expertise in backlog grooming, sprint planning and defining acceptance criteria.
• Ability to translate business user stories into detailed technical user stories along with acceptance criteria and ensure alignment with development teams.
• Experience with tools like VersionOne, ALM for Agile processes.

Business Analysis and Communication

• Strong ability to act as a bridge between business stakeholders and technical teams.
• Proven experience in eliciting requirements, conducting stakeholder workshops, and documenting workflows.
• Ability to create wireframes, process diagrams, and user flows to explain requirements.

• Minimum of 10-12 years’ experience, in technology or software development preferred.
• A degree from an accredited College/University in the applicable field of services is preferred.
• NOTE: If resource does not have a relevant college degree, an additional 4 years of relevant work experience is required.