Capability Manager (Technical Product Manager) - Payment Platform

Introduction

- Skilled Capability Manager/Technical Product Manager to lead the strategy, development, and optimization of our payment platform.

- This role combines deep technical expertise with product leadership to drive the transformation from legacy systems toward a cloud-native, API-first, modular architecture that enables real-time, scalable payments capabilities, richer data standards (e.g., ISO 20022), enhanced security, and rapid innovation.

- You will own modernisation initiatives while ensuring seamless integration, compliance, and business value delivery.

- The ideal candidate will have a strong background in fintech or banking payments, with a focus on platform capabilities such as Payment Initiation, Order management, Payment Validation, and integration with schemes like ACH, Mobile money Operators, or Visa A2A.

- You will collaborate closely with engineering, compliance, operations, and stakeholder teams to ensure platform health, innovation, and continuous improvement.

Duties & Responsibilities

Define Product Vision and Roadmap:

- Develop and maintain a multi-year product roadmap that prioritises legacy decommissioning, migration to modern architectures (cloud-native, microservices, decoupled from core banking), adoption of ISO 20022 messaging, real-time payment rails, and support for instant/cross-border/embedded finance use cases. Balance short-term stability with long-term transformation goals.

Technical Leadership:

- Collaborate with engineering to design and implement scalable, API-first systems; define technical requirements for decoupling payment capabilities; drive adoption/roll out of modernised payment capabilities, payment orchestration, and resilient 24/7 processing. Act as SME on modernisation patterns, trade-offs, integration challenges with legacy environments as well be an expert on payment technologies, including reliability, compliance, and performance optimization.

Cross-Functional Collaboration:

- Partner with engineering, architecture, compliance, risk, and operations to align modernisation efforts, gather requirements for new capabilities, and ensure phased delivery without disrupting current operations. Facilitate seamless user integrations and support daily operations to maintain high service levels.

Compliance and Risk Management:

- Embed regulatory compliance (e.g., ISO 20022 mandates, Open Banking/AML/KYC, data privacy) into platform design from the start; lead risk assessments for modernisation changes and enhance fraud/resilience features in the new architecture.

Performance Monitoring and Iteration:

- Oversee legacy-to-modern migration metrics, platform health, transaction success rates, and cost/efficiency gains. Use data and user insights to iterate on modernisation priorities and measure ROI.

Stakeholder Communication:

- Articulate modernisation strategy, progress, benefits (agility, cost reduction, innovation enablement), and risks to senior leadership, platform users, Vendor, and partners. Position the platform as a competitive differentiator.

Innovation and Strategy:

- Contribute to or set strategic directions for payment capabilities. Champion emerging trends (real-time payments at scale, AI-driven orchestration, stablecoins/interoperability) to future-proof the platform and enable new revenue streams.

Desired Experience & Qualification

Required Qualifications:

Education:

- Bachelor's degree in Computer Science, Engineering, Business, Finance, or a related field. Advanced degree (e.g., MBA, M. Tech or MS in Technology) is a plus.

Experience:

- 5+ years in product management, with at least 3 years focused on technical products in fintech, banking, or payment systems. Proven track record in managing payment platforms and/or proven experience leading or significantly contributing to payment platform modernisation programs (e.g., legacy replacement, cloud migration, real-time enablement, ISO 20022 adoption).

Technical Skills:

- Strong knowledge of modern payment architectures (API-first, microservices, cloud-native on AWS/Azure/GCP), ISO 20022, real-time processing standards, tokenization/security models, and integration patterns with legacy cores. Experience with Agile, DevOps, and modernisation tooling.

Preferred Qualifications:

- Experience in a banking or regulated financial services environment.

- Direct experience modernising payment platforms (e.g., decoupling from core, adopting payment hubs/orchestration layers).

- Familiarity with global real-time schemes (PayShap, UPI, RTP, SEPA Instant, etc.) and emerging standards (stablecoins, open banking).

- Certifications in product management, or payments (e.g., ISO 20022 specialist).

- Prior hands-on experience with engineering teams in building scalable, compliant systems.