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# Product Owner ServiceNow

- **Company:** Colibrix One
- **Location:** Barcelona, Spain
- **Salary:** €70,000.0 - €80,000.0
- **Contract:** Permanent contract
- **Skills:** Autodesk 3DS Max (3D Graphics Software), Agile Methodology, Artificial Intelligence, Tokenization
- **Published:** September 24, 2026
- **Apply:** https://www.adzuna.es/contact-us.html

## About the Role

Must-Have

 + Experience in product management within fintech / payments / card acquiring
 + Proven experience with subscription and recurring payment models
 + Direct experience working with Visa and Mastercard as a principal member
 + Deep understanding of scheme rules, recurring billing compliance, and chargeback management
Risk & Compliance Knowledge

 + Expertise in chargebacks in subscription environments
 + Solid knowledge of Visa / Mastercard thresholds and recurring payment rules
 + Familiarity with 3DS, tokenization, KYC/KYB, AML
Product & Commercial Skills

 + Ability to think at scale - across merchants, products, and ecosystems
 + Strong analytical and data-driven mindset
 + Ability to assess business models and translate insights into product priorities
Additional

 + Fluent English; Russian is an asset
 + Ownership mindset and ability to operate independently
 + Experience with card processor integrations is a plus

## Description

We are looking for a Product Owner to lead and develop our Acquiring product at COLIBRIX ONE - a fully licensed EMI (FCA & MFSA), principal member of Visa and Mastercard, building AI-powered payment infrastructure for PSPs, EMIs, and neobanks across the EU and UK.
This is not a generic acquiring role. We're looking for someone who understands the mechanics of subscription and recurring payment models - including billing logic, payment recovery, and chargeback management - and who can think at scale: across merchant portfolios, payment ecosystems, and product strategy.
Responsibilities
Own the Acquiring Product

 + Define and drive the product roadmap for acquiring
 + Own the full product lifecycle - from discovery and prioritization to launch and post-launch optimization
 + Manage backlog and priorities based on metrics, strategy, and merchant needs
 + Translate market needs into clear product decisions with a long-term vision
Subscriptions & Recurring Payments

 + Lead product development across recurring billing flows: CIT, MIT, card-on-file, retries, and dunning
 + Improve authorization rates, recovery rates, and overall recurring payment performance
 + Work with PSPs and orchestration providers to optimize routing and processing
Compliance & Scheme Expertise

 + Ensure full compliance with Visa and Mastercard rules, including recurring payment regulations
 + Apply deep knowledge of authorization, clearing, settlement, 3DS, and tokenization
 + Manage subscription-specific risk: chargebacks, friendly fraud, trial abuse, and scheme thresholds
 + Support KYC/KYB and AML requirements across merchant categories
Merchant & Market Focus

 + Understand the needs of both high-risk and low-risk merchant categories
 + Assess subscription business models: unit economics, churn, fraud exposure
 + Identify opportunities to improve approval rates and merchant experience at scale
Cross-Functional Collaboration

 + Partner with risk, compliance, legal, finance, and engineering teams
 + Facilitate Agile practices within the product team
 + Support go-to-market efforts in collaboration with marketing and partners