We are looking for a Poland-based candidate.
At Capco Poland, we're not just another consultancy – we're the spark behind digital transformation in the financial world. As a global leader in technology and management consulting, we help clients tackle complex challenges across banking, payments, capital markets, wealth, and asset management.
ROLE OVERVIEWWe are seeking an experienced Product Owner – Payments (SEPA / RTP / ACH) to join a strategic payments transformation programme within a leading global banking environment.
In this role, you will support the evolution of payment proposition for Real-Time Payments (RTP) and Bulk Payments, with a key focus on the Ellipse programme and the migration of SEPA payment flows to a new payment infrastructure. You will work closely with Product, Technology, and Business stakeholders to define requirements, support delivery, and ensure successful migration of payment services and customer journeys.
KEY RESPONSIBILITIESProduct Ownership & Requirements Management- Define, document, and manage requirements related to payment flow migrations, including processing, reconciliation, reporting, statements, and advises.
- Support the migration of SEPA payment products, including RTP, Direct Debits, and Classic payment flows.
- Review and refine user stories and functional requirements with Technology teams.
- Collaborate with Product Managers to assess customer impacts and support client communication activities.
- Ensure requirements are clearly understood and aligned with business objectives.
- Review, prioritize, and manage the product backlog.
- Support PI Planning activities, including scope definition and prioritization.
- Work closely with Technology teams to support delivery planning and execution.
- Contribute to decision-making regarding timelines, dependencies, and delivery priorities.
- Engage business, product, and technology stakeholders to clarify requirements and drive alignment.
- Support Lead Product Owners and collaborate across multiple PODs and workstreams.
- Communicate product and process changes to relevant stakeholders.
- Build strong relationships across global teams and support effective decision-making.
- Minimum 5 years of experience as a Product Owner, Functional Business Analyst, or similar role within Payments.
- Strong knowledge of payment products and schemes, including RTP, ACH, SEPA Credit Transfers, and/or SEPA Direct Debits.
- Experience working on payment migrations, payment processing platforms, or transformation programmes.
- Understanding of end-to-end payment flows, reconciliation, reporting, and operational processes.
- Experience working in Agile environments, including backlog management and PI Planning.
- Strong analytical and problem-solving skills with the ability to translate business requirements into actionable deliverables.
- Excellent stakeholder management, communication, and influencing skills.
- Ability to manage multiple priorities and work effectively in a fast-paced environment.
- Knowledge of SEPA regulatory standards and compliance requirements.
- Experience within global banking or transaction banking environments.
- Familiarity with large-scale payments modernization or infrastructure transformation initiatives.
- SAFe, Scrum Product Owner, or Agile certifications.
We offer a flexible collaboration model based on a B2B contract, with the opportunity to work on high-profile transformation programmes for leading financial institutions.
RECRUITMENT PROCESS- HR Interview with Recruiter
- Skill Interview with Hiring Manager
- Client Interview
- Feedback and Offer
Joining Capco means joining an organization that is committed to an inclusive working environment where you're encouraged to #BeYourselfAtWork.
#LI-HYBRID
Skills Required
- Minimum 5 years experience as Product Owner, Functional Business Analyst, or similar role within Payments.
- Strong knowledge of payment products and schemes including RTP, ACH, SEPA Credit Transfers, SEPA Direct Debits.
- Experience working on payment migrations, payment processing platforms, or transformation programmes.
- Understanding of end-to-end payment flows, reconciliation, reporting, and operational processes.
- Experience working in Agile environments, including backlog management and PI Planning.
- Strong analytical and problem-solving skills; translate business requirements into actionable deliverables.
- Excellent stakeholder management, communication, and influencing skills.
- Ability to manage multiple priorities and work effectively in a fast-paced environment.
- Knowledge of SEPA regulatory standards and compliance requirements.
- Experience within global banking or transaction banking environments.
- Familiarity with large-scale payments modernization or infrastructure transformation initiatives.
- SAFe, Scrum Product Owner, or Agile certifications.
What the Team is Saying
Capco Compensation & Benefits Highlights
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Healthcare Strength — Health, dental, vision, EAP and fitness support are described as solid, reinforced by a global wellbeing program with mental‑health resources and financial‑wellness content.
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Leave & Time Off Breadth — Vacation & Paid Time Off and Sick Leave are characterized as strong, with flexible, hybrid working and family‑friendly policies also highlighted.
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Parental & Family Support — Parental leave is presented as a strong point alongside adoption, fertility and childcare benefits, with exact terms varying by country and role.
Capco Insights
What We Do
Capco, a Wipro company, is a global management and technology consultancy specializing in driving transformation in the energy and financial services industries. Capco operates at the intersection of business and technology by combining innovative thinking with unrivalled industry knowledge to fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance, and the energy sector. Capco’s cutting edge ingenuity is brought to life through its award-winning Be Yourself At Work culture and diverse talent. TRUSTED ADVISORS - Our collaborative and entrepreneurial approach position us as trusted long-term partners to our clients. DEEP EXPERTISE - Clients look to us for clear guidance, proven expertise, and the support they need to set their companies up for success. DISRUPTIVE SOLUTIONS- We do not provide off -the-shelf answers to clients’ challenges. Instead, we work in close collaboration to understand the issues, and craft disruptive, bespoke solutions. ACCOUNTABILITY AND OWNERSHIP - We recognize every client has distinct needs and expectations, and we take ownership and accountability for the solutions we design, build, and deliver.
Why Work With Us
We support and encourage an inclusive culture, entrepreneurial outlook and independent thinking. Capco is not about organizational charts and rigid hierarchies – we want all employees to feel that Capco is their firm to own and run. We believe diversity powers innovation. Be Yourself At Work (#BYAW) is an integral and underlying part of our culture
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