Payments Product & Process Lead — Shape Modern Banking

Erste Bank; Wien; Hybrid; EUR 42,000 - 51,000; Full time

Benefits offered by this job

Salary from €46,276/year

Hybrid work arrangement

Professional development

Diversity and inclusion

Growth opportunities

Job summary

Erste Group Bank AG in Vienna seeks a Payments Product & Process Owner to lead SEPA and Non-SEPA payment services for retail and corporate customers, shaping topics at the intersection of payments, digitalization, regulation, and customer experience.

You will steer major payment initiatives from market needs to viable concepts, develop a coherent product roadmap, and work cross-functionally with IT, operations, sales, compliance, and legal to deliver decision-ready solutions.

Qualifications

• Several years of experience in product ownership within the payments industry or a comparable role within the financial sector.
• Strong understanding of payments in a regulated and technologically dynamic environment.
• Familiarity with regulatory and market-related payments topics (e.g., ISO, PSR/PSD3, Digital Euro, Wero).
• Strong ability to structure complex issues, set clear priorities, and translate them into actionable solutions; pragmatic and execution focused.
• Strong stakeholder management skills in cross-functional environments.

Responsibilities

• Be responsible for the strategic and functional development of SEPA and Non-SEPA payment services for retail and corporate customers, driving key future-focused topics at the intersection of payments, digitalization, regulation, and customer experience.
• Steer major payments initiatives, from identifying relevant market and customer needs through to developing viable concepts and ensuring successful implementation.
• Develop a coherent product and implementation roadmap, prioritizing requirements while balancing customer value, business viability, technical feasibility, and regulatory requirements.
• Work cross-functionally with management, IT, operations, sales, compliance, legal, and other stakeholders, translating complex requirements into decision-ready solutions.
• Prepare business concepts, business cases, and decision-making materials, challenge existing approaches, and contribute new ideas for innovation, efficiency, and digitalization.

Skills

Product ownership

Payments knowledge

Regulatory awareness

Stakeholder management

Data analytics basics

Tools

SQL

Python

Job description

Erste Group Bank AG in Vienna seeks a Payments Product & Process Owner to lead SEPA and Non-SEPA payment services for retail and corporate customers, shaping topics at the intersection of payments, digitalization, regulation, and customer experience.

You will steer major payment initiatives from market needs to viable concepts, develop a coherent product roadmap, and work cross-functionally with IT, operations, sales, compliance, and legal to deliver decision-ready solutions.