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# Cards & Payments - Product Owner/Product Manager

- **Company:** cognizant
- **Location:** UK
- **Experience:** Expert
- **Salary:** £33,601.0
- **Contract:** Permanent contract
- **Skills:** Agile Methodology, Confluence, JIRA, Databases, Payment Gateway, Requirements Management, ISO 20022 Standard, Oracledb
- **Published:** September 13, 2026
- **Apply:** https://www.adzuna.co.uk/jobs/details/5210481490

## About the Role

* Would be excited to work in a small team that collaborates, shares knowledge, and empowers each other to succeed.
 * Has strong experience in the BFSI sector with expertise in the payments domain.
 * Self-starter with a passion for independent, creative problem-solving, strong ownership, high commitment, and strong business judgment.
 * has an 'I'm happy to pitch in and help' approach.

## Description

* Product Owner/Product Manager with deep experience in the Payments domain (ISO 20022).
 * Work with the business users and capture business requirements accurately.
 * Ensure the business requirements, and proposed solutions, achieve the customers' goals.
 * End-to-end understanding of the Payments lifecycle from Front to Mid to Back-office processing
 * Deep understanding/experience of payment clearing and settlement mechanisms.
 * Mandatory experience in Payment message types such as MT / MX, ISO20022, and proprietary messages
 * Experience working across geo-specific Payment types such as FedWire, CHIPS, BACS, Faster payments, SEPA.
 * Understanding of Payment concepts such as UPI, Payment Aggregator, Payment Gateway, NACH, Aadhaar-enabled Payments System, etc…
 * Basic SQL knowledge to query databases and familiarity with Oracle DB concepts
 * End-to-end working knowledge in Transaction Banking / Channels areas
 * Deep understanding/experience of payment clearing and settlement mechanisms.
 * Experience in executing engagements in Liquidity, FX Processing, and cash management.
 * Experienced in all phases of the Project Development Life Cycle: Business Analysis, and GAP analysis. Portfolio Performance Management and Project Finance Management across Analysis, Design, Build, Testing and Delivery
 * Facilitate Requirement discussion with business owners and technical developers, gather documents, and manage requirements.
 * Proficient in creating Requirement documentation and elicitation from varied geographical teams and banks (BRDs/FRDs)
 * Agile experience - EPIC/User story writing vis tools such as JIRA, Confluence
 * Participate in client engagement (pursuits, projects, discussions) and own the solution- from a domain/business point of view.
 * Excellent stakeholder management, clear communication, and timely reporting


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