Business Systems Consultant/Product Manager

About the Company:

Ouro is a global, vertically-integrated financial services and technology company dedicated to the delivery of innovative financial empowerment solutions to consumers worldwide. Ouro’s financial products and services span prepaid, debit, cross-border payments, and loyalty solutions for consumers and enterprise partners.

Ouro's flagship product Netspend provides prepaid and debit account solutions that connect customers with secure, convenient access to global payment networks so they can manage their money and make everyday purchases. With a nationwide U.S. retail network, customers can purchase and reload Netspend products at 130,000 reload points and over 100,000 distributing locations.

Since Ouro's founding in 1999 by industry pioneers Roy and Bertrand Sosa, Ouro products have processed billions of dollars in transaction volume and served millions of customers worldwide. The company is headquartered in Austin, Texas with regional offices around the world. Learn more at www.ouro.com.

About the role 

We are seeking an experienced and dynamic Business System Consultant/Product Manager with a deep understanding of the Cards and Payment domain specifically ISO8583 messaging. The candidate should possess strong  leadership skills, domain expertise, and a track record of successfully leading and delivering complex payment solutions and Schemes (Visa,Mastercard,Pulse,Discover,Fiserv,Elan etc) compliance mandates. As a Business System Consultant/Product Manager in the Cards/Payment domain, he will guide a talented team of developers, and SDET's to build payment systems that ensure seamless and secure transactions.

Required Skills:

• Bachelor’s Degree and 8+ years’ experience in a Product Manager or Business System Consulting role 

• Subject matter Expert of payment processing protocols (e.g., ISO 8583), EMV standards, card schemes (e.g., Visa, Mastercard), and PCI-DSS, PCI-PIN, PCI-PTS compliance.

• Possess a deep understanding of the POS payment domain, including EMV standards, payment processing protocols, card schemes, and Payment Card Industry Data Security Standards (PCI DSS).

• Stay up-to-date with industry trends, regulations, and emerging technologies in the payment ecosystem.

• Subject matter Expert of payment processing protocols (e.g., ISO 8583), EMV standards, card schemes (e.g., Visa, Mastercard), and PCI-DSS, PCI-PIN, PCI-PTS compliance.

• Must know or have worked with Visa, and MasterCard technical specifications and complete knowledge of their data element definition and Message flows.

• Strong knowledge of cryptography functions used in the payment industry (e.g., 3DES, AES, RSA, ECC).

• Strong knowledge of contactless payments, and NFC.

• Proficient in writing sql queries to troubleshoot and fetch data when needed.

• Communication skills, with experience communicating and liaising with both internal and external stakeholders(Visa,MC etc)

• Ability to work in a cross functional environment and lead cross functional discussions

• Experience with JIRA, Confluence [and other dev tools]

• Skill in creating and refining user stories from epics as well as identifying functional and nonfunctional requirements from the stories

• Management of the requirements and effective communication to the development team

• Comfortable with languages such as XML, ISO8583, Json, SQL,Java

• Maintain a high degree of professional competence in the area of Card Payments,Prepaid Domain and handling the Association(MasterCard,Visa,Pulse,Fiserv) compliance mandates independently.

• Proficient in creating and fetching data from Log aggregator tools like Splunk,Graffana etc