Cards
Product Owner - Contract (Senior, 10+ years)
- Client: Global systems integrator, cards &
payments practice (client named at shortlist)
- Programme: Cards transformation — platform
migration, portfolio conversion and scheme mandate delivery
- Location: India — Bangalore or Pune (hybrid);
- Engagement: Contract to Hire, day rate.
Initial 6 months contract to hire.
The
short version...
We
are looking for a Cards Product Owner who has actually owned a change on
a card estate — not run one. Somebody who has stood in front of a steering
committee and defended a migration cutover plan, negotiated a scheme mandate
deadline, or written the backlog that moved a portfolio from one processor to
another.
Requirements
What
you will own......
· The
product backlog for a card platform workstream — issuing, issuer processing,
acquiring, authorisation, clearing and settlement, disputes, or the full card
lifecycle depending on the workstream you take.
· Migration
and conversion scope. Defining what moves, in what order, at what risk. Portfolio conversion rules,
BIN migration sequencing, data mapping between the legacy processor and the
target, parallel-run and fallback criteria.
- Scheme
mandate delivery. Reading the Visa and Mastercard release bulletins, deciding what is in scope,
translating mandate text into stories with an immovable date attached, and
holding the programme to it.
- The
definition of done. Acceptance criteria that a certification team, a scheme test house and an
operations lead all recognise.
- Stakeholder
translation. Between
the bank's product and operations teams, the processor or vendor, the scheme,
and the delivery squads. You are the person who can hold a conversation about
interchange economics in the morning and ISO 8583 message fields in the
afternoon.
- Trade-off
calls. Scope against
date against risk, argued with evidence, in a regulated environment where the
wrong call has a customer-impact and a regulatory tail.
Mandatory
— you will be screened out without these
You
must be able to name, on your CV, at least one card platform you worked ON — with a project, an employer and an outcome attached to it. A platform in a
skills list with nothing behind it does not count.
1.
A card platform, hands-on: FIS VisionPLUS · TSYS TS2 · Way4 / OpenWay · Base24 / ACI · Postilion · Euronet
· Cardlink · Tieto CardSuite · FIS Cortex · Prime 4 · Pismo · Marqeta · Thredd
/ GPS
2.
Card lifecycle depth in at least two of: card issuing · issuer processing · merchant acquiring ·
authorisation · clearing and settlement · chargebacks and disputes ·
interchange · card personalisation · PIN management · card fraud · PCI DSS
3.
Scheme and standards work you personally delivered: Visa or Mastercard mandate release ·
tokenisation · EMV · 3-D Secure / 3DS2 · SCA · Visa Account Updater (VAU) /
Automatic Billing Updater (ABU) · BIN sponsorship or BIN migration
4.
Evidence you owned a change, not a run. At least one of: platform migration or replacement ·
portfolio migration / conversion / card portfolio transfer · legacy
decommission or retirement · in-house to outsourced processing (or insourcing)
· target operating model definition · scheme mandate delivery · greenfield
build · re-platforming · vendor selection or RFP
5.
Product Owner craft. 10+ years total, of which 5+ as PO / Product Manager / senior BA owning a
backlog in an Agile or SAFe delivery. Backlog ownership, story writing,
refinement, sprint and PI planning, stakeholder prioritisation.
Strongly
preferred...
· Experience
on both a legacy processor and a modern issuer-processor — you have seen
what actually breaks in between.
· Regulated-market
delivery: UK (FCA), EU (PSD2 / SCA), or UAE (CBUAE).
· Certification
and scheme testing exposure — VTS, MTIP, MDES, VDEP.
· ISO
8583 message-level fluency; ISO 20022 awareness.
· Commercial
literacy on interchange, scheme fees and the P&L of a card portfolio.
· CSPO
/ SAFe POPM / CSM certification.
· Prior
work inside or alongside a systems integrator's cards practice.
To apply: send
a CV or get in touch for a confidential conversation to [email protected]
Skills Required
- 10+ years of total professional experience
- At least 5 years as a Product Owner, Product Manager, or senior Business Analyst owning an Agile or SAFe backlog
- Hands-on experience with at least one listed card platform, including a project, employer, and outcome on the CV
- Card lifecycle depth in at least two areas, including issuing, issuer processing, acquiring, authorization, clearing and settlement, disputes, interchange, personalization, PIN management, fraud, or PCI DSS
- Personally delivered Visa or Mastercard scheme mandate work or standards initiatives such as tokenization, EMV, 3DS2, SCA, VAU/ABU, BIN sponsorship, or BIN migration
- Evidence of owning a significant change such as platform migration, portfolio conversion, processor replacement, legacy retirement, operating model definition, mandate delivery, greenfield build, re-platforming, or vendor selection
- Backlog ownership, story writing, refinement, sprint planning, PI planning, and stakeholder prioritization experience
- Experience with both a legacy processor and a modern issuer-processor
- Regulated-market delivery experience in the UK, EU, or UAE
- Certification and scheme testing exposure, including VTS, MTIP, MDES, or VDEP
- ISO 8583 message-level fluency and ISO 20022 awareness
- Commercial understanding of interchange, scheme fees, and card portfolio P&L
- CSPO, SAFe POPM, or CSM certification
- Experience working within or alongside a systems integrator cards practice
What We Do
Yadimen Consulting is a technology consulting firm focused on financial-services organizations. It delivers technology implementation and strategic consulting services, drawing on expertise in data engineering, fraud strategy, data science, enterprise platforms, and product implementation. The company operates across the US, UK, Nordic countries, and Western Europe, helping clients address sector-specific technology challenges and opportunities through tailored solutions for financial institutions and regulated businesses.
