Product Owner Payments

Aion Bank is a fully regulated European bank and credit institution combining Vodenos cutting-edge private blockchain-based platform with its ECB banking license strong balance sheet and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodenos existing Banking-as-a-Service (BaaS) offering across key European markets includingGermanyandPoland will see the bank embed its services - ranging from account access and deposits to lending payments and loyalty programs - directly into non-banking digital platforms facilitating seamless customer experiences.

At Aion Bank ourbiggest strength is our peoplea team of highly intelligent creative and ambitious professionals who thrive in a fast-paced innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

In this role you will lead a dedicated payment product team comprising analysts developers and testers. You will act as the connector between business strategy and technical execution ensuring the delivery of robust payment solutions. You will hold responsibility for the product roadmap backlog prioritization and commercial success while fostering a collaborative environment for your team to thrive.

1. Business Ownership & Strategy

• Strategy & P/L:Define the strategy for the payments vertical holding ownership for the product P/L including revenue margin growth and pricing strategies.

• Market Success:Drive commercial success by running product discovery benchmarking global trends and developing Unique Selling Propositions (USPs).

• Funnel Management:Maintain ultimate ownership of the product origination funnel optimizing the conversion of leads into booked products.

• Financial Modeling:Run simulations to derive the expected financial impact of product changes new promotions or re-pricing.

2. Product Management & Payments Domain

• Payment Schemes & Features:Oversee the lifecycle of domestic and international payment rails includingElixir Express Elixir SORBNET SWIFT and SEPA.

• Core Functionalities:Design and manage key product capabilities includingLiquidity Management (Cash Pooling) Virtual Accounts Direct Debits Standing Orders Batch Payments as well asSplit Payment Mechanism (MPP)and theWhite List of VAT Payers.

• Regulatory Compliance:Monitor and ensure compliance with the comprehensive regulatory framework affecting payment products. This includesEU and local regulationsPSD2AML/CTFstandards and tax-related requirements.

• Standardization:Lead the migration and alignment withISO20022standards and manageMT/MXmessage formats.

• Documentation:Ensure high standards for solution design documentation in Jira including Epics User Stories and acceptance criteria.

• Supplier Management:Procure and manage relationships with external suppliers including contract ownership and facilitation of GDPR/Security assessments.

3. Delivery Team Leadership

• People Management:Act as the Line Manager for your product delivery team empowering your people and shaping the team structure.

• Agile Leadership:Execute the role of the Scrum Lead for agile rituals (release planning sprint planning scope grooming) and monitor team velocity.

• Backlog Management:Define and prioritize the backlog based on business value and customer needs.

• Testing & Quality:Specify test cases oversee User Acceptance Testing (UAT) and make the final decision on product readiness for commercial launch.

• Product Expertise:5 years of experience in fintech or banking with a primary focus on driving product development from a business perspective.

• Domain Knowledge:Deep understanding of the payments landscape includingElixir SORBNET SWIFT SEPA and ISO20022.

• Regulatory Awareness:Solid knowledge ofEU and local regulationsimpacting payments includingPSD2AML/CTF and relevant tax mechanisms.

• Managerial Experience:Proven track record in people management strategic planning and P/L responsibility.

• Analytical Mindset:Ability to analyze market dynamics run financial simulations and quickly learn evolving regulations.

• Communication:Strong networking and stakeholder engagement skills with the ability to efficiently communicate in bothPolish and English.

• Technical Fluency:Familiarity with API integrations Microservices architecture and JIRA.

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us we encourage you to apply - even if youre not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck!