Paymentology
201 - 500 employees
Founded 2015
💳 Fintech
☁️ SaaS
🏦 Banking
💰 Seed on 2016-02
Fintech • SaaS • Banking
Paymentology is a payments technology company that provides an issuing and processing platform (Lume) enabling banks, fintechs, digital banks, telcos, remittance providers, governments and other organisations to launch, manage and scale card programmes. The platform supports issuing debit, prepaid, credit, hybrid, virtual, numberless cards, multi-currency and crypto/stablecoin-linked cards, tokenization, BIN sponsoring, card processing, fraud control and 3DS. Paymentology positions itself as a partner for fintechs, neobanks, banks, telcos, remitters, lenders, travel and crypto players, emphasizing real-time data, global multi-currency capabilities, and programme management, plus client portal and data intelligence.
Product Manager
🔥 22 minutes ago
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Paymentology
201 - 500 employees
Founded 2015
💳 Fintech
☁️ SaaS
🏦 Banking
💰 Seed on 2016-02
Fintech • SaaS • Banking
Paymentology is a payments technology company that provides an issuing and processing platform (Lume) enabling banks, fintechs, digital banks, telcos, remittance providers, governments and other organisations to launch, manage and scale card programmes. The platform supports issuing debit, prepaid, credit, hybrid, virtual, numberless cards, multi-currency and crypto/stablecoin-linked cards, tokenization, BIN sponsoring, card processing, fraud control and 3DS. Paymentology positions itself as a partner for fintechs, neobanks, banks, telcos, remitters, lenders, travel and crypto players, emphasizing real-time data, global multi-currency capabilities, and programme management, plus client portal and data intelligence.
📋 Description
• Own the product vision, roadmap, and backlog for Clearing & Settlement. • Define product strategy aligned to customer needs, operational efficiency, scheme requirements, and business goals. • Translate market, client, and scheme requirements into product requirements and delivery priorities. • Manage product capabilities for clearing message ingestion and processing. • Oversee presentments, reversals, adjustments, corrections, and exception handling workflows. • Support multi-currency and multi-clearing scenarios. • Ensure accurate scheme file processing and event generation. • Improve automation, transparency, and controls across clearing workflows. • Manage issuer settlement calculations and processing, supporting multi-currency settlement and scheme settlement reporting. • Oversee accurate settlement position management, exception handling, and robust controls for accurate and auditable outcomes. • Define and enhance reconciliation across clearing, settlement, and ledger flows. • Oversee exception management, break resolution, and reporting. • Ensure compliance and operational oversight within product capabilities. • Lead product requirements related to Visa Base II, Mastercard IPM, and scheme reporting. • Monitor scheme mandates, changes, and release impacts. • Drive impact analysis and manage product changes required by scheme-driven updates and integration of new networks. • Work closely with Engineering, Architecture, Operations, Finance, Compliance, and Client Delivery teams. • Write detailed product requirements, user stories, and acceptance criteria. • Support solution design, testing, implementation, and release planning. • Act as product SME for clearing and settlement internally and externally. • Drive the delivery of new payment scheme integrations and related network capabilities.
🎯 Requirements
• Expert knowledge of card clearing and settlement processes and frameworks (Visa, Mastercard). • Understanding of settlement reporting, reconciliation, interchange, assessments, and scheme fees. • Ability to translate complex payment and scheme requirements into product and delivery plans. • Stakeholder management and strong execution skills. • Competence in payment processing fundamentals: authorization, clearing, settlement, reconciliation. • Interpret complex technical specifications into concise requirements and testable outcomes. • Project and program management, including dependency and risk management. • Technical fluency, comfortable collaborating with engineers on APIs, system behavior, and integrations. • Experience with SQL/data analysis is advantageous. • Excellent written and verbal communication skills in English. • Strong problem-solving abilities and sound judgment. • Bachelor’s degree in Business Administration, Engineering, Computer Science, or a related field (or equivalent experience). • Technical or payments-focused background strongly preferred. • 5+ years of experience in Product Management, Payments, Issuer Processing, Financial Processing, or a related domain. • Experience delivering clearing, settlement, reconciliation, or financial processing capabilities within card issuing, payment processing, banking, or fintech environments. • Proven experience with card scheme clearing and settlement frameworks, and managing scheme-mandated changes. • Collaborative experience with Engineering, Operations, Finance, and cross-functional product teams. • Strong understanding of issuer financial operations including interchange, scheme fees, multi-currency settlement, funding models, and financial controls.
🏖️ Benefits
• We are an equal opportunity employer committed to fostering a diverse and inclusive workplace where everyone can thrive. • We value making a difference to the lives of the people who work for us and who live in the communities where we operate.
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