Payments Product & Process Owner (all genders)

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

Working with us means believing in the future; in the great people who are shaping it together every day and in the wide-ranging career paths it opens up. #believeinyourself

Payments Product & Process Owner (all genders)

Location: Vienna

Working Hours: Full-time

Occupation Area: Banking Operations, Product management and sales support

Company: Erste Group Bank AG

Benefits

• Health Center
• Learning & Development
• Employee benefits
• Sports and leisure
• Success through diversity

Erste Group was founded in 1819 as the first Austrian savings bank and is today one of the largest stock-listed banking groups in Central Europe. As an attractive employer, Erste Group offers interesting career opportunities in an international environment.

Within the Payments Operations unit and the Payments tribe, we shape and develop account-to-account payment solutions for Erste Group's retail and corporate customers. Our focus is on delivering customer value, driving innovation, and ensuring regulatory compliance.To further strengthen our Payments area, we are looking for an experienced professional who combines strategic thinking with a hands‑on mindset, takes ownership of key topics, sets clear priorities, and drives payment initiatives from concept to successful implementation.

Your Tasks

• 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

Your Background

• 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 consistently translate them into actionable solutions, combined with pragmatism and execution strength
• Strong stakeholder management skills in cross‑functional environments
• Ideally, knowledge of data‑driven product development (e.g., Databricks) and basic understanding of AI, data, or analytics environments; SQL, Python, or similar skills are a plus
• Fluent in German and English

Our Offer

• A role with significant opportunity to shape the future of banking in a key growth area, with tangible impact on products, priorities, and transformation initiatives
• An positive working environment featuring modern collaboration, high levels of responsibility, and clear opportunities for professional and personal development
• Discover and enjoy the benefits of Erste Group
• For this position, we offer a gross annual salary starting at 46.276,00 Euro (full-time). Your actual salary will be based on your qualifications, experience, and individual fit for the role.
• We offer our employees the opportunity to divide their hours between working from home and at the office.
• We consider the diversity of our employees as key to innovation and success. As employer we are proud to offer everyone equal chances, irrespective of age, skin colour, religious belief, gender, sexual orientation or origin.

Contact

Jasmin Sterner