Product Owner (Payments)

Office Ally•Concord, CA

21h

About The Position

Our team is seeking a highly execution-focused Product Owner (Payments) to support our engineering team focusing on ProPay 2.0 - our next-generation payments and financial infrastructure initiative. This role sits at the center of a major modernization effort, partnering directly with engineering teams to translate product strategy into clear, actionable work. You will own the backlog and requirements for a defined product area, ensuring engineering teams are consistently building the highest-value capabilities in the right order. This is a hands-on, delivery-oriented role focused on clarity, prioritization, and execution—not product strategy definition. As part of a broader platform transformation, you will help enable scalable, API-driven payment systems that support healthcare and property & casualty workflows, including billing, reconciliation, and transaction processing. Success in this role will be measured by the quality, predictability, and efficiency of product delivery, including: Backlog readiness and quality (clear, well-defined, and consistently prioritized work available for engineering execution). Sprint predictability (high alignment between planned vs. completed sprint commitments). Delivery quality (reduced rework, fewer requirement-related defects, and clear acceptance criteria adherence). Time-to-clarity for engineering (speed and effectiveness in resolving scope and requirement questions). Improved engineering focus (reduced reliance on engineering leadership for product ownership decisions, enabling focus on technical/architectural work). This role is critical to the success of ProPay 2.0 and our broader platform modernization efforts. You will directly influence how engineering teams deliver scalable payment capabilities and how customers interact with core financial workflows. By ensuring clarity, focus, and execution discipline, you enable faster delivery, higher-quality outcomes, and a more resilient, future-ready platform.

Requirements

Proven experience as a Product Owner in an agile, engineering-driven environment.
Strong ability to break down ambiguous problems into well-defined, executable user stories.
Demonstrated experience managing technical backlogs for platform, API, or system-level products.
Fluency with Jira and Confluence for backlog management and documentation.
Ability to prioritize effectively, make trade-offs, and maintain a clear point of view under pressure.
Strong collaboration skills working closely with engineering, architecture, and cross-functional teams.
Hands-on experience with modern payment systems, financial infrastructure, or transaction platforms, including one or more of the following capabilities: Payment operations and orchestration platforms (payment execution, routing, and end-to-end lifecycle management). Financial ledgering and reconciliation systems (transaction tracking, settlement, balancing, and reporting workflows). Treasury and cash management infrastructure (fund flows, account management, and liquidity operations). Banking and financial institution integrations (including KYC/KYB, account verification, ACH/wire connectivity, and onboarding workflows). Virtual card issuance and management platforms (card provisioning, spend controls, transaction tracking, and reconciliation).
Working knowledge of core payment and financial system concepts, including: ACH, wire transfers, and virtual card payments. Payment lifecycle tracking and status management. Reconciliation, settlement, and ledgering workflows. Compliance, risk, and financial control considerations.

Nice To Haves

Experience in healthcare payments, revenue cycle management, or insurance workflows.
Background working on platform modernization or API-first products.
Familiarity with distributed systems and cloud-based architectures.
Exposure to portal or customer-facing platform development initiatives.
Understanding of EDI/X12, HIPAA, or regulated data environments.

Responsibilities

Translate product vision and business needs into detailed user stories, technical requirements, and workflows using Jira and Confluence.
Decompose complex initiatives into structured, prioritized backlogs aligned to engineering execution.
Define clear acceptance criteria and ensure requirements are complete, testable, and outcome driven.
Continuously refine and reprioritize backlog items based on evolving priorities, dependencies, and technical constraints.
Ensure readiness of work for sprint planning and ongoing development.
Partner closely with engineering on a daily basis to clarify requirements, validate solutions, and unblock execution.
Act as the primary point of contact for all scope, requirement, and prioritization decisions for your product area.
Align technical implementation approaches with product intent and platform architecture.
Support engineering teams in delivering scalable, high-quality solutions across APIs, services, and customer-facing workflows.
Maintain a strong focus on outcomes, not just output (this is not a Scrum Master or delivery coordination role).
Represent your product area in sprint planning, backlog grooming, and cross-functional discussions.
Clearly communicate priorities, trade-offs, and delivery expectations to stakeholders.
Collaborate with product leadership, architecture, and UX to ensure cohesive platform evolution.
Escalate strategic questions while independently driving day-to-day execution decisions.
Provide visibility into progress, risks, and dependencies.