Product Owner

N Consulting Limited; Greater London; Hybrid; GBP 65,000 - 85,000; Full time

Job summary

N Consulting Ltd is seeking an experienced Product Owner for Payments based in London. The role involves owning the product vision and working closely with stakeholders in a hybrid work environment. You will lead cross-border payment initiatives, ensuring compliance with regulations while driving strategic priorities.

The ideal candidate will have over 10 years of experience in B2B payments and a strong understanding of compliance in banking. Successful candidates will exhibit leadership across various teams and be focused on delivering operational efficiencies.

Qualifications

• 10 years of experience in B2B payments or transaction banking.
• Deep understanding of cross-border payments, correspondent banking.
• Hands-on experience working with complex compliance environments.

Responsibilities

• Own the Payments product vision, roadmap, and backlog.
• Drive improvements in cross-border payment processes.
• Lead a cross-functional team in an agile delivery model.

Skills

Product Owner experience

Understanding of cross-border payments

Experience with regulated financial institutions

Ability to operate across business, technology and operations

Job description

# Product Owner at N Consulting Ltd**Role:** Product Owner - Payments**Experience:** 10years**Location:** London**Work mode:** Hybrid**Key Responsibilities****Product Ownership & Strategy*** Own the end‐to‐end Payment’s product vision, roadmap and backlog for B2B clients (banks, DFIs, governments, NGOs, fintechs).* Translate Head of Payments’ strategic intent into executable product priorities across corridors, rails and platforms.* Balance speed, reach and cost with the operational and regulatory realities of CLIENT’s markets.* Ensure alignment with overall solution strategy laid out by CLIENT.**Payments Domain Leadership*** Drive improvements across cross‐border payment initiation, routing, settlement, tracking, reconciliation and exception handling.* Manage payments tightly coupled with FX execution, pre‐funding, cut‐offs and liquidity constraints.* Design for multi‐rail delivery (correspondent banks, local clearing, mobile money, wallets) across Africa, LATAM, APAC, Caribbean and Middle East.**Regulatory & Risk Alignment*** Embed AML, sanctions screening, transaction monitoring and market‐specific controls directly into product design.* Work closely with Compliance, Risk and Ops to ensure solutions are compliant with UK PRA/FCA expectations and local market regulations.* Design preventative controls to reduce payment failures, returns and manual repairs.**Delivery & Team Leadership*** Lead a cross‐functional squad (engineering, ops, QA, analysts) as Product Owner in an agile delivery model.* Own sprint planning, prioritisation, acceptance criteria and release readiness.* Ensure operational readiness, SLAs and support playbooks are in place before go‐live.* Align with the overall delivery roadmap of CLIENT.**Stakeholder & Partner Management*** Act as the primary product counterpart to internal stakeholders: Payments, Banking, Treasury, Compliance, Operations, Technology and Sales.* Engage with external partners including correspondent banks, clearing partners and payment providers to support corridor expansion and resilience.**Skills & Experience****Essential*** Strong Product Owner / Product Manager experience in **B2B payments or transaction banking**.* Deep understanding of **cross‐border payments**, correspondent banking, and payments into emerging or frontier markets.* Hands‐on experience working with regulated financial institutions and complex compliance environments.* Ability to operate across business, technology and operations without losing delivery focus.* Experience of having implemented a payments product in a banking or payment processor environment.**Highly Desirable*** Experience with FX‐linked payments, liquidity management or nostro/vostro considerations.* Exposure to API‐led payment platforms and gateway models.* Experience delivering payments transformation or modernization programs.**What Success Looks Like*** Faster, more predictable cross‐border payments across priority CLIENT corridors.* Reduced payment failures, exceptions and operational friction.* Clear alignment between payments strategy, product delivery and regulatory obligations.* A payments platform that scales CLIENT’s B2B business without increasing risk or cost disproportionately.