Product Owner

REPAY•Atlanta, GA

About The Position

REPAY is seeking a strategic, execution-focused Product Owner to drive the product roadmap for its Clearing and Settlement (RCS) product. RCS processes transactions after authorization, turning payment activity into settled and reconciled client deposits. It serves as the system of record for accurate money movement, merchant and ISO deposits, settlement, reconciliation, and residual billing data. For merchants, the platform aggregates authorized transactions into a daily batch and ACH deposit. The Product Owner is responsible for RCS money movement functionality and the end-to-end service experience for ISO customers and merchants using the Clearing and Settlement platform. The role partners with business leaders, Product Management, Engineering, and other teams to translate stakeholder needs into product decisions and requirements that make clearing, settlement, and billing for high-volume consumer payments simpler, faster, and more reliable. The position will help expand market presence, improve user experience, and accelerate revenue growth.

Requirements

At least 5 years of progressively responsible Product Owner experience in consumer or business payments and financial technology.
Demonstrated money movement experience across the full payment lifecycle, including authorization, clearing, settlement, funding, and payout.
Experience with merchant billing and residuals, including calculation, reporting, and reconciliation of ISO or partner residual payouts.
Understanding of basic accounting practices, including debits and credits, accruals, and reconciliation, as they relate to clearing and settlement operations and merchant billing.
Experience managing daily and monthly billing cycles and their effects on operations and reporting.
Card brand expertise with Visa, Mastercard, Discover, and American Express, and a working understanding of interchange categories and their effect on merchant costs.
Ability to translate stakeholder input into clear requirements, including hands-on use of AI tools for research, PRD development, and stakeholder communications, and to lead cross-functional teams from problem definition through Agile engineering delivery.
Skill in consultative, technical, and business discussions with diverse stakeholders and customers, balancing competing priorities and operational risk.
Ability to define and monitor user metrics such as adoption, activation, task completion, and support volume to prioritize improvements.
Well-organized, adaptable, and action-oriented, with a commitment to continuous improvement.

Nice To Haves

Payments Professional Certification, such as AAP or CPP.
Certified Product Owner or Certified Scrum Product Owner (CSPO) designation.
Strong proficiency with JIRA and Confluence.
Background in UX research methods, including interviews, usability testing, and journey mapping.
Experience leading partner integration activities, including business requirements, engagement model, and technical coordination.

Responsibilities

Own and maintain a rolling four-quarter product roadmap for RCS, identifying market opportunities and aligning development priorities.
Partner with Sales, Technology, Operations, Client Relations, and customers to drive roadmap decisions and communicate changes to ISOs and merchants.
Drive delivery of product initiatives in coordination with Engineering and QA, prioritizing the backlog to deliver value quickly.
Engage cross-functionally on go-to-market execution and ongoing technology and security maintenance priorities.
Improve external customer experience, including usability, task efficiency, and adoption, while maintaining expert-level product and market knowledge.
Apply AI tools to accelerate research, requirements development, and documentation of new functionality.

Benefits

100% coverage of employee healthcare premiums.
Life insurance.
Disability insurance.
Work-life balance resources.
Benefits effective on day one.
401(k) employer match.
Employee Stock Purchase Plan.
Eligibility to participate in the Annual Bonus Program.
Continuing education, including professional conferences and events.
Business-casual dress, snacks and beverages, and open-air collaborative team settings.
Company-supported philanthropic initiatives in local communities.