EY Product Manager - Owner Cards Payments 

India, Karnataka, Bengaluru 

989176323

Required Technical and Professional Expertise

• 8+ years’ experience in banking payments transformations or implementing new payment systems
• 3+ years’ experience as Product Manager/Product Owner
• 5+ years’ experience in building digital payment channels and leading large-scale modernization programs, including the development of microservices, API frameworks, and BIAN APIs.
• Strong knowledge and experience across Payments & Cards domains
• Strong knowledge and experience across Payments messaging standards such as NACHA, ISO 8583, ISO 20022, SWIFT
• Strong knowledge of upstream and downstream systems in payments landscape like Core banking, Payment Switches, Compliance, FX, Advising, Billing etc.
• Experience in working with leading Card Schemes like MasterCard, Visa, Amex, JCB and RuPay. Experience in Cards payments (Cards, Networks, Issuers and Acquirers).
• Experience in working with payment processors like VisionPlus/Fiserv/First Vision, TSYS, WorldPay (FIS), Power card, PayOne etc.
• Experience in working with payment processing stakeholders like Payment Intermediaries, Aggregators, Switches
• Strong knowledge about one or more payment systems e.g. Electronic Transfer, Cheque Clearing/ACH, Card/ATM Networks, RTGS, Cash Management etc.
• Strong Knowledge of clearing, settlement and Dispute Management process.
• Experience of channel side payments systems (e.g., ATM, Micro ATM point of sale, wallets)
• Good Knowledge of E-commerce/Online payment applications
• Good Knowledge of Contactless payments & Tokenization payments, NFC/MFT payment experience will be added advantage.
• Having knowledge on switching and batch process experience will be added advantage.
• Good Knowledge of Payments value chain involving Fraud and Dispute management, Network regulation and compliance.
• Demonstrable payment processing and clearing knowledge especially data mapping and modelling to support triaging issues raised in development and production
• Proven track record of successfully leading multiple projects and change management initiatives in a fast-paced and complex environment including liaising with external third-party companies as necessary.
• Requirement Elicitation, Capture and analysis with documentation – creating user stories, acceptance criteria and other technical documentation.
• Experience in business development and sales of consulting services and projects to senior levels of client’s organization
• Extensive experience in the delivery of complex consulting services projects within the Financial Services Industry, focussed on Payments and Cards domain.
• Knowledge of current business trends (e.g., EPI, CBDCs, BNPL, Open Banking) and technological market trends (e.g., Hybrid Cloud, Artificial Intelligence, Digital, Microservices / APIs)
• Knowledge of payments regulations like SEPA, BASEL, PSD2, PCIDSS, AML

Skills and experience

• BE/BTech+ MBA candidates with a minimum of 8 years of experience in client facing consulting roles
• Bring deep industry expertise in payments & digital banking and large-scale payments modernization programs
• Strong hands-on development experience with programming languages (e.g., Java, Python, C#, or similar) and frameworks relevant to payment systems.
• Extensive knowledge and experience in database design and optimization on platforms such as Oracle, MySQL, and MongoDB.
• Provide innovative ideas with our clients to explore disruptive strategies that create business value, including usage of new age technologies, such as Blockchain and AI.
• Proven experience in implementing payment solutions across multiple platforms and channels using integration patterns such as API, ESB, and Batch File interfaces.

Behavioral Attributes:

• Analytical, organized, team player, relishes working in a multicultural, multi-national business context.
• Strong delivery mindset, customer focus, commitment to results and high-quality standards.
• Good communication skills, teamwork and customer focus are essential.
• Building influential relationships with colleagues, partners and customers is an essential part of the Services team strategy for success to date
• Being able to work independently or in a team as needed