Product Owner – Domestic Low Value Payments & Corporate Channels

Product Owner – Domestic Low Value Payments & Corporate Channels Own the rails that move everyday money — and the digital channels corporates use to control it

We’re looking for a commercially sharp Product Owner who has lived inside Domestic Low Value Payments (DLV) and Corporate Channels. You’ll own the product vision, roadmap and delivery of the payment products and the digital experiences that sit on top of them — turning complex clearing schemes, mandates, integrations and corporate workflows into reliable, competitive offerings.

You need hands-on depth in the domestic low-value / retail payment rails (typically ≤ high-value RTGS thresholds). This includes understanding the schemes, rules, processing models, exception handling, and commercial dynamics of:

• Credit payments: Batch EFT credits, Real-Time Clearing (RTC / Instant EFT), and modern real-time rails (e.g. PayShap / Rapid Payments)
  
• Debit / collection payments: Authenticated debit orders (DebiCheck), Registered Mandate, traditional EFT debits
  
• Related processes: mandate management, credit tracking, R-transactions, settlement windows, cut-offs, returns, and compliance with the National Payment System rules
  
• How these products are packaged, priced, integrated and operationalised for both retail and corporate clients
  

Experience in other domestic ACH-style systems (SEPA, US ACH, BECS, etc.) is valuable, but practical knowledge of the local scheme landscape and regulatory environment is essential.

You must have worked with (or owned) the digital channels that corporates use to initiate, approve, track and reconcile payments. This includes:

• Corporate internet banking / cash management portals
  
• Multi-user approval workflows, dual control, and entitlement models
  
• Integration with ERP / TMS systems and host-to-host / API channels
  
• Payment initiation experiences across the DLV products above
  
• Self-service mandate management, reporting, and exception handling for corporate clients
  

• Product vision, roadmap and prioritised backlog for Domestic Low Value Payments and the associated Corporate Channel capabilities
  
• End-to-end design, delivery and continuous improvement of payment products and channel experiences
  
• Translation of scheme rules, regulatory requirements and business goals into clear product decisions and user stories
  
• Cross-functional leadership across business, technology, operations, risk and compliance
  
• KPI ownership (volume, success rates, latency, exception rates, client satisfaction, revenue)
  
• Coaching teams on product ownership and payments domain knowledge
  

Required

• 5+ years Product Owner experience in Banking / Financial Services
  
• Deep practical knowledge of Domestic Low Value Payments (credit + debit rails, schemes, processing, exceptions)
  
• Proven Corporate Channel experience (portals, workflows, ERP/API integrations, multi-user corporate banking)
  
• Track record of walking stakeholders through real scenarios and delivered outcomes
  
• Strong backlog management, prioritisation and agile delivery skills
  
• Excellent stakeholder management and communication
  
• Analytical problem-solver comfortable with complex regulatory and operational constraints
  

Preferred

• Degree in Finance, Banking, Business or related field
  
• CSPO / SAFe / equivalent Agile certification
  
• Experience in a multi-national bank or large financial institution
  
• Exposure to both consumer and corporate payment products
  

• Product Ownership & Strategy
  
• Domestic Low Value Payments (scheme + product depth)
  
• Corporate Channel Design & Integrations
  
• Stakeholder Management & Influence
  
• Agile Delivery & Backlog Management
  
• Analytical & Problem-Solving Skills
  

This role sits at the intersection of payments infrastructure and the digital experience corporates actually use every day. If you’ve owned both the rails and the channels, we want to talk.