Senior Payments Product Owner – AI-Driven Microservices

Tata Consultancy Services

Jersey City (NJ)

On-site

USD 110,000 - 125,000

Full time

14 days+

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Benefits offered by this job

Discretionary Annual Incentive

Comprehensive Medical Coverage

Family Support: Maternal & Parental Le

Commuter Benefits & Certification & Re

Job summary

Tata Consultancy Services seeks an experienced Product Owner with 10+ years in the field and 5+ years in product ownership to define product vision, strategy, and roadmap for complex payments systems. You will work across architecture, engineering, and business teams to deliver scalable, secure payment platforms with microservices, API integrations, and event-based messaging using MQ and Kafka.

The role requires strong communication, collaboration, and rapid learning capabilities, plus

Qualifications

Requires 10+ years professional experience with minimum 5+ years as Product Owner
Defines and communicates product vision, strategy and roadmap
Strong domain knowledge in payments lifecycle and systems (channels, middleware, engines, sanctions, reporting, accounting, clearing)
Experience with distributed architectures including microservices, containers, API-driven integrations and event-based messaging (MQ, Kafka)
Bilingual with Spanish strongly preferred
Experience evaluating technology tradeoffs and guiding enterprise design decisions
Experience using Visio, JIRA, Confluence
Strong verbal and written communication; collaborative across teams
Experience with payments rails/products (FedWire, Chips, TCH, SEPA, Wires, ACH, RTP, SWIFT, ISO)
Hands-on experience with AI models/tools (Copilot, Claude) a plus
5+ years overall experience; fast learner; able to learn new products/technologies quickly
Responsible for requirements refinement and end-to-end solutioning on critical payments programs
Drive requirements refinement with business/ops/tech stakeholders; create HLD and FRs using Agile SAF (deliverable, epic, story)
Work with Enterprise Architecture and Engineering to deliver end-to-end solutions
Translate regulatory and business requirements into scalable platform designs; decompose initiatives
Enforce non-functional requirements (resiliency, scalability, SLA, security, observability)
Identify impediments; present multiple tech solutions for stakeholder decisions
Conduct architecture reviews and governance per enterprise standards
Partner with Product/Project Managers and Engineering to prioritize technology-focused backlog items

Responsibilities

10+ years of professional experience and Minimum 5+ years of Product Owner experience
Define and communicate product vision, strategy, and roadmap
Strong domain knowledge in core payments lifecycle and systems
Strong knowledge of distributed architectures (microservices, containers, API-driven integrations, MQ, Kafka)
Bilingual with Spanish strongly preferred
Evaluate technology tradeoffs and guide enterprise design decisions
Use Visio, JIRA, Confluence for documentation and tracking
Communicate effectively across multiple teams
Work with payments rails/products (FedWire, Chips, TCH, SEPA, Wires, ACH, RTP, SWIFT, ISO)
Apply AI tools (Copilot, Claude) where applicable
Lead requirements refinement and end-to-end solutioning on critical payments programs
Collaborate with Enterprise Architecture and Engineering for E2E solutions
Translate requirements into scalable platform designs and increments
Ensure resiliency, scalability, and security across processing layers
Conduct architecture reviews and governance
Partner with Product/Project Managers and Engineering for backlog delivery