Sr. Product Owner Payments

Konfío; Ciudad de México; On-site; MXN 900,000 - 1,500,000; Full time

Job summary

Konfío is seeking a Senior Product Owner for Core Payments in Mexico City, driving the strategy and execution of our end-to-end payment roadmap. You will own Money In and Money Out flows, ensuring accuracy, reconciliation, and regulatory compliance with Visa/Mastercard/AMEX/CNBV/Banxico.

You will shape the payments stack (Payments API, gateway, switch) and define smarter routing, while coordinating certification cycles and UAT to optimize merchant experience and transactional volume.

Qualifications

• 4+ years in payments product management or payment processing with measurable impact on TPV/approval rate.
• Bachelor's degree in Engineering, Business Administration, Finance, or related field; PM/Digital Payments specialization desirable.
• Deep understanding of end-to-end payment processing in Mexico: cards, QR, e-commerce; PCI-DSS, EMV L3 knowledge.

Responsibilities

• Roadmap management: lead Core Payments lifecycle from ideation to launch with PRDs and user stories.
• Own end-to-end payment infrastructure design and evolution: API, gateway, switch, and networks for high availability.
• Define routing rules by payment method to maintain high approval rates and optimize costs.
• Define business rules for clearing, settlement, merchant payouts, refunds, and holds.
• Coordinate certification cycles with engineers and networks to ensure PCI-DSS compliance.
• Collaborate with Tech to monitor incidents and implement resilience, alerts, and failover procedures.
• Lead UAT and ongoing optimization of payment flows and merchant experience.

Skills

English proficiency

Analytical

Strategic thinking

Cross-functional collaboration

Education

Bachelor's degree in Engineering (Systems, Software, Industrial) or Business Administration/Finance

Tools

SQL

New Relic

Job description

Whoarewe?

WeareMexico'sleadingfinancialtechnologycompany,empoweringover100,000clientstoachievetheirbusinessgoals.Ourmissionistofuelthegrowthofsmallandmedium-sizedenterprises(SMEs)throughinnovativesolutions—includingfinancing,corporatecreditcards,andpaymentsystems.Wepartnerwithentrepreneurstohelpthemovercomechallenges,transformingtheirbusinessesintotrueenginesofeconomicgrowthwhilecontributingtothedevelopmentofourcommunity,ourcountry,andtheplanet.

Abouttherole :

AstheSr.ProductOwnerforCorePayments,youwillleadthestrategyandexecutionofourend-to-endpaymentprocessingroadmap,coveringbothMoneyIn(authorization,processingtransaction)andMoneyOut(disbursements,refunds,holdsandchargebacks).Yourmissionistodriveatransactionalvolumeexceeding1millionmonthlytransactions,maintaintop-tierapprovalrates,ensureaccuratereconciliationbetweenMoneyInandMoneyOut,andguaranteecompliancewithnetworkandregulatoryrequirements(Visa,Mastercard,AMEX,CNBV,Banxico),positioningoursolutionasacompetitiveleaderintheMexicanacquiringecosystem.

KeyResponsibilities

• RoadmapManagement: LeadtheCorePaymentsproductlifecyclefromideationtolaunch,generatingdocumentation(PRDs,userstorieswithtechnicalacceptancecriteria),definingcoreKPIs,andcoordinatingexecutiontorecoverandscaletotalpaymentvolume(TPV).
• End-to-EndPaymentProcessing: Ownthefunctionaldesignandevolutionofthepaymentinfrastructure(PaymentsAPI,Gateway,Switch,processorandnetworkconnections),ensuringavailability,performanceandscalabilityacrossCardPresentandCardNotPresentflows.
• Strategy,Segmentation&Routing: Defineanddesignthesmartroutingrulesbypaymentmethod,BINandissuer(Chip+PIN,Contactless,e-commerce)tomaintainanapprovalrateabove90%,whileoptimizingprocessingcostpertransaction.
• MoneyIn/MoneyOutReconciliation: Definethebusinessrules,controlsandoperationalprocessesforclearing,settlement,merchantpayouts,disbursements,refundsandholds,ensuringeverytransactionreconcilesendtoendandreducingdiscrepanciesandresolutiontimes.
• Certification&Compliance: Coordinateintegrationandcertificationcycles(e.g.,EMVL3)withengineers,processors(e.g.,PROSA,GETNET,e.global)andpaymentnetworks,guaranteeingcompliancewithPCI-DSSandnetworkstandardswithoutcreatingdevelopmentbottlenecks.
• OperationalResilience&Troubleshooting: PartnerwithTechonincidentanalysisandrootcause,definemonitoring,alertingandfailovermechanisms,andusedataandobservabilitytools(SQL,NewRelic)tominimizeimpactonapprovalrateandmerchantexperience.
• Testing&UserExperience: CollaboratewithBusinessandTechteamstoconductuseracceptancetesting(UAT)andcontinuouslyoptimizepaymentflowsandmerchantexperience.

RequiredProfile

• Experience: 4+yearsinpaymentsproductmanagementorpaymentprocessing(CardPresentandCardNotPresent)withinFintechs,acquirers,paymentprocessors,orfinancialinstitutionsinMexico.ProventrackrecordoftakingproductsfromideationtolaunchwithameasurableimpactonTPV,approvalrate,reconciliationaccuracyorchargebackreduction.
• Education: Bachelor'sdegreeinEngineering(Systems,Software,Industrial,Financial),BusinessAdministration,Finance,orrelatedfields.AspecializationinProductManagement,DigitalPayments,orFintechishighlydesirable.
• TechnicalKnowledge: Deepunderstandingofend-to-endpaymentprocessinginMexico:paymentmethods(Chip,Contactless,QR,e-commerce),networks(Visa,Mastercard,AMEX),processorsandswitches,gatewayarchitectureandISO8583messaging,authorization,clearingandsettlementflows,chargebacklifecycle,SPEIdisbursements,andstandardslikeEMVL3andPCI-DSS.
• NicetoHave: Experiencewithfraudpreventiontoolsandriskscoring,MSIandprepaidvoucherprograms,andmerchantonboardingandKYCprocesses.PriorexperienceatcompaniessuchasClip,dLocal,MercadoPago,AdyenorSquare.
• SoftSkills: Englishproficiency.Analytical,strategic,results-orientedprofilewithstrongcross-functionalcollaborationskills(Tech,Business,Risk,Operations,Compliance).