Job Opportunities API

At Paymentology, we’re redefining what’s possible in the payments space. As the first truly global issuer-processor, we give banks and fintechs the technology and talent to launch and manage Mastercard and Visa cards at scale - across more than 60 countries. Our advanced, multi-cloud platform delivers real-time data, unmatched scalability, and the flexibility of shared or dedicated processing instances. It's this global reach and innovation that sets us apart. We are seeking a Product Manager to own our Clearing & Settlement product capabilities within the Issuer Processing platform. This role is responsible for defining, managing, and enhancing the financial processing functions that occur after authorization—ensuring accurate transaction clearing, settlement, reconciliation, scheme reporting, fee processing, and robust financial controls across global payment networks.   The ideal candidate brings deep expertise in card scheme clearing and settlement processes, understands issuer financial operations, and can translate complex scheme requirements into scalable, industry-leading product capabilities.   Key Responsibilities Product Ownership - Own the product vision, roadmap, and backlog for Clearing & Settlement. - Define product strategy aligned to customer needs, operational efficiency, scheme requirements, and business goals. - Translate market, client, and scheme requirements into product requirements and delivery priorities. Clearing - Manage product capabilities for clearing message ingestion and processing. - Oversee presentments, reversals, adjustments, corrections, and exception handling workflows. - Support multi-currency and multi-clearing scenarios. - Ensure accurate scheme file processing and event generation. - Improve automation, transparency, and controls across clearing workflows. Settlement - Manage issuer settlement calculations and processing, supporting multi-currency settlement and scheme settlement reporting. - Oversee accurate settlement position management, exception handling, and robust controls for accurate and auditable outcomes. Reconciliation and Controls - Define and enhance reconciliation across clearing, settlement, and ledger flows. - Oversee exception management, break resolution, and reporting. - Ensure compliance and operational oversight within product capabilities. Scheme and Network Alignment - Lead product requirements related to Visa Base II, Mastercard IPM, and scheme reporting. - Monitor scheme mandates, changes, and release impacts. - Drive impact analysis and manage product changes required by scheme-driven updates and integration of new networks. Delivery & Stakeholder Management - Work closely with Engineering, Architecture, Operations, Finance, Compliance, and Client Delivery teams. - Write detailed product requirements, user stories, and acceptance criteria. - Support solution design, testing, implementation, and release planning. - Act as product SME for clearing and settlement internally and externally. - Drive the delivery of new payment scheme integrations and related network capabilities.   Knowledge, Skills & Abilities - Expert knowledge of card clearing and settlement processes and frameworks (Visa, Mastercard). - Understanding of settlement reporting, reconciliation, interchange, assessments, and scheme fees. - Ability to translate complex payment and scheme requirements into product and delivery plans. - Stakeholder management and strong execution skills. - Competence in payment processing fundamentals: authorization, clearing, settlement, reconciliation. - Interpret complex technical specifications into concise requirements and testable outcomes. - Project and program management, including dependency and risk management. - Technical fluency, comfortable collaborating with engineers on APIs, system behavior, and integrations. - Experience with SQL/data analysis is advantageous. - Exce