Product Owner managing open banking payment products across UK & European markets at Yapily. Lead agile delivery and technical analysis to execute product strategies effectively.
Responsibilities
Own and execute on the product backlog for engineering teams focused on open banking payment products (PIS) across UK & European markets, translating product strategy from Product Managers into deliverable features
Lead sprint planning, daily standups, and delivery of payment features with clear user stories and acceptance criteria
Conduct hands-on technical analysis of bank API documentation for payment endpoints
Test payment flows using tools like Postman to understand API behavior, SCA flows, and edge cases
Understand and document payment schemes: SEPA, SEPA Instant, Faster Payments, and local payment methods
Collaborate with Analyst and Operations teams for market and bank intelligence and testing
Coordinate with other PMs and POs for cross functional initiatives
Make rapid prioritisation decisions during sprints to maintain delivery velocity
Support customer-facing teams by clarifying product behavior and investigating technical queries
Ensure high-quality delivery with clear definition of done and release planning
Requirements
4-6 years of experience as a Product Owner, Product Manager, or Technical Product role in payments, fintech, or financial services
Deep understanding of payment systems: SEPA, instant payments, PSD2 payment initiation, and SCA flows
Highly technical: you can read API documentation, understand REST APIs, and test with tools like Postman
Proven experience owning product backlogs and leading agile delivery in an engineering environment
Experience with Open Banking or payment initiation services (PIS)
Able to write clear user stories, acceptance criteria, and technical specifications
Self-sufficient in conducting technical analysis while knowing when to leverage specialist support
Strong understanding of European payment landscape and regulatory requirements (PSD2, SCA)
Excellent communication skills in English; additional European languages are a plus
Results-oriented and can manage competing priorities effectively
Driven and curious. You ask questions and strive to understand
Think outside the box and are pragmatic. You bring experience and best practices from elsewhere
Understand the importance of attention to detail and ensuring quality outputs
Can-do approach. You think on your feet and switching up tasks comes naturally.
Benefits
25 days holiday a year (plus bank holidays) in the UK, 20 days in Lithuania, 23 days in Spain, 22 days in Germany
We also offer an additional holiday day after 1 year's service, up to the value of 5 days
We’re serious about work/life balance and operate hybrid working, giving you the flexibility to work from home, working from our amazing office space or work abroad for up to 30 days per year ‘Nomad Working’
Comprehensive Private Medical Insurance
Life Assurance and Income Protection (UK only)
Company Pension Scheme
Enhanced Paternity and Maternity leave
£200 annual Learning and Personal Development budget
Cycle To Work Scheme
Employee Referral Scheme which offers £1,000 per employee referral
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