Product Owner - SEPA/Payments (She/He/They)

We are looking for a Poland-based candidate.

At Capco Poland, we're not just another consultancy – we're the spark behind digital transformation in the financial world. As a global leader in technology and management consulting, we help clients tackle complex challenges across banking, payments, capital markets, wealth, and asset management.

We are seeking an experienced Product Owner – Payments (SEPA / RTP / ACH) to join a strategic payments transformation programme within a leading global banking environment.

In this role, you will support the evolution of payment proposition for Real-Time Payments (RTP) and Bulk Payments, with a key focus on the Ellipse programme and the migration of SEPA payment flows to a new payment infrastructure. You will work closely with Product, Technology, and Business stakeholders to define requirements, support delivery, and ensure successful migration of payment services and customer journeys.

• Define, document, and manage requirements related to payment flow migrations, including processing, reconciliation, reporting, statements, and advises.
• Support the migration of SEPA payment products, including RTP, Direct Debits, and Classic payment flows.
• Review and refine user stories and functional requirements with Technology teams.
• Collaborate with Product Managers to assess customer impacts and support client communication activities.
• Ensure requirements are clearly understood and aligned with business objectives.

• Minimum 5 years of experience as a Product Owner, Functional Business Analyst, or similar role within Payments.
• Strong knowledge of payment products and schemes, including RTP, ACH, SEPA Credit Transfers, and/or SEPA Direct Debits.
• Experience working on payment migrations, payment processing platforms, or transformation programmes.
• Understanding of end-to-end payment flows, reconciliation, reporting, and operational processes.
• Experience working in Agile environments, including backlog management and PI Planning.
• Strong analytical and problem-solving skills with the ability to translate business requirements into actionable deliverables.
• Excellent stakeholder management, communication, and influencing skills.
• Ability to manage multiple priorities and work effectively in a fast-paced environment.

• Review, prioritize, and manage the product backlog.
• Support PI Planning activities, including scope definition and prioritization.
• Work closely with Technology teams to support delivery planning and execution.
• Contribute to decision-making regarding timelines, dependencies, and delivery priorities.

• Engage business, product, and technology stakeholders to clarify requirements and drive alignment.
• Support Lead Product Owners and collaborate across multiple PODs and workstreams.
• Communicate product and process changes to relevant stakeholders.
• Build strong relationships across global teams and support effective decision-making.

• Knowledge of SEPA regulatory standards and compliance requirements.
• Experience within global banking or transaction banking environments.
• Familiarity with large-scale payments modernization or infrastructure transformation initiatives.
• SAFe, Scrum Product Owner, or Agile certifications.

• HR Interview with Recruiter
• Skill Interview with Hiring Manager
• Client Interview
• Feedback and Offer

Joining Capco means joining an organization that is committed to an inclusive working environment where you're encouraged to #BeYourselfAtWork.

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