Senior Product Manager – Digital Payments

Incedo Inc.; New York (NY); Hybrid; USD 140,000 - 180,000; Full time

Job summary

Incedo Inc. seeks a Senior Product Manager to own the strategy, roadmap, and execution of next-generation digital payment capabilities, focusing on real-time money movement, P2P payments, and integrations with major networks.

You will drive cross-functional alignment across engineering, operations, fraud/risk, and compliance. The role requires a strong payments background, hands-on with payment rails, and Proven ability to lead Agile teams delivering complex fintech products while managing a

Qualifications

• 10+ years of product management or product ownership experience.
• Hands-on experience with a digital payment rail (Zelle, RTP, FedNow, ACH, or comparable).
• Strong understanding of payment rails, settlement lifecycle, and financial-services regulatory frameworks.
• Proven ability to lead Agile teams and deliver complex technical products.
• Experience writing user stories, acceptance criteria, and functional requirements.
• Exceptional communication, analytical, and stakeholder-management skills.

Responsibilities

• Define and evolve the long-term strategy for digital payments, including instant transfers, P2P experiences, and money-movement enhancements.
• Lead end-to-end integrations with digital payment networks; manage certification, rule compliance, and operational readiness.
• Backlog ownership: convert business needs into user stories, acceptance criteria, and a prioritized product backlog.
• Agile delivery leadership: partner with engineering to drive sprint planning, backlog grooming, and release execution.
• Fraud, risk & compliance alignment: ensure secure, compliant payment experiences with fraud, risk, and compliance teams.
• Transaction lifecycle oversight: oversee payment flows including authorization, posting, settlement, exceptions, and reconciliation.
• Stakeholder engagement: act as the primary liaison across business, operations, customer support, and technology teams.
• Data-driven decision making: define and track KPIs such as payment success rate, fraud loss rate, adoption, and transaction latency.
• Platform stability & incident support: support production stability, root-cause analysis, and continuous improvement initiatives.

Skills

Product management

Digital payments

Agile delivery

Stakeholder management

User stories & acceptance criteria

Communication

Analytics

Tools

Payment orchestration engines

APIs

Job description

Location: Hybrid in New York, NY or Florham Park, NJ

Employment Type: Full-Time

Company Overview

Incedo is a US-based consulting, data science and technology services firm with over 4000 people helping clients from our six offices across US, Mexico and India. We help our clients achieve competitive advantage through end-to-end digital transformation. Our uniqueness lies in bringing together strong engineering, data science, and design capabilities coupled with deep domain understanding. We combine services and products to maximize business impact for our clients in telecom, Banking, Wealth Management, product engineering and life science& healthcare industries.

Role Overview

The Senior Product Manager will own the strategy, roadmap, and execution of next‑generation digital payment capabilities, with emphasis on real‑time money movement, P2P payments, and integrations with major payment networks such as Zelle, RTP, FedNow, and ACH. This role requires strong product leadership, deep payments expertise, and the ability to drive cross‑functional alignment across engineering, operations, fraud/risk, and compliance.

Key Responsibilities

• Product Vision & Strategy — Define and evolve the long‑term strategy for digital payments, including instant transfers, P2P experiences, and money‑movement enhancements.
• Payment Network Integrations — Lead end‑to‑end integrations with digital payment networks; manage certification, rule compliance, and operational readiness.
• Backlog Ownership — Convert business needs into user stories, acceptance criteria, and a prioritized product backlog.
• Agile Delivery Leadership — Partner with engineering to drive sprint planning, backlog grooming, and release execution.
• Fraud, Risk & Compliance Alignment — Ensure secure, compliant payment experiences through close collaboration with fraud, risk, and compliance teams.
• Transaction Lifecycle Oversight — Oversee payment flows including authorization, posting, settlement, exceptions, and reconciliation.
• Stakeholder Engagement — Act as the primary liaison across business, operations, customer support, and technology teams.
• Data‑Driven Decision Making — Define and track KPIs such as payment success rate, fraud loss rate, adoption, and transaction latency.
• Platform Stability & Incident Support — Support production stability, root‑cause analysis, and continuous improvement initiatives.

Required Qualifications

• 10+ years of product management or product ownership experience.
• Hands‑on experience with a digital payment rail (Zelle, RTP, FedNow, ACH, or comparable).
• Strong understanding of payment rails, settlement lifecycle, and financial‑services regulatory frameworks.
• Proven ability to lead Agile teams and deliver complex technical products.
• Experience writing user stories, acceptance criteria, and functional requirements.
• Exceptional communication, analytical, and stakeholder‑management skills.

Preferred Qualifications

• Experience with banking core systems, payment orchestration engines, or API‑driven financial platforms.
• Familiarity with network certification processes, fraud‑detection tools, or risk‑scoring models.
• Certifications such as CSPO, PSPO, SAFe PO/PM, or equivalent.