At ING we are looking for a Payments Product Expert Your role and work environment: We are looking for a talented and enthusiastic Payments Product Expert to join our Payments Delivery Area Team of Core Banking and Clients Tribe Spain. The responsibility of this team is to provide the best solution for Payments considering customer needs, market behaviors, regulations, and user requirements, delivering high quality developments based on Agile Methodology. Making things happen, helping others be successful, always being one step ahead—that's our DNA. Your key responsibilities: As a Payments Product Expert in Payments Clearing, you will: Provide a broad knowledge on ING products, services, channels, and local Payments Regulations.Be part of the delivery team to define functional requirements, participate in testing, and support before the Go-live.Control the process of the Clearing systems, solve incidents in case of errors, and provide information and help to the support teams or the providers.Identify the products or services that best meet the customer's stated needs, using personal expertise to propose quantities and product configurations. Represent the voice of the customer (External and internal) to improve processes.Analyze data to extract operational information for decision-making, creating reports for Operations areas (MicroStrategy, Excel, PowerPoint, etc.). Analyze evolutions, trends, and volumes seeking improvements that increase customer satisfaction and cost efficiency.Collaborate with suppliers on a day-to-day basis. Detect incidents in the processes of external providers, report incidents, and track them. Track processes with suppliers, propose improvement measures, and establish the effectiveness of the actions implemented.Be responsible for improving the service with an end-to-end mindset, ensuring day-to-day performance, building reliable business operations and services, and connecting with internal or external parties.Work with Risk, Compliance, and Legal stakeholders to ensure our products and services comply with regulations and policies. What are we looking for? Bachelor's degree with 5-7 years of experience managing complex projects.Strong English is a must-have.Customer-focused and results-oriented person.Strong effective presentation skills.Excellent communication skills.Adaptability: be flexible and adaptable to changing circumstances.Strong prioritization skills to ensure the team focuses on delivering high-impact results.Risk Appetite Management: Identifying potential risks in an offshore setup and implementing measures to mitigate them.Efficiently manage time and deadlines to keep development on track and deliver the product within scheduled timelines.Engage and manage stakeholders effectively for successful project outcomes.Strong problem-solving skills to address challenges and obstacles.Some technical knowledge to facilitate effective communication and understanding between the Product Owner and the development team (not mandatory).Understanding of the end-to-end payment processing cycle, including authorization, clearing, and settlement, with proven experience in Operations. What do we offer? The time you spend at work, the challenges you face, and the lessons you learn are very important, but… what about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details. Be flexible my friend. Our model is all about flexibility and accountability. Keeping both our customers and our colleagues' needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Restaurant card. So that thinking about what to have for lunch doesn't take up your time or cravings. Our house will be your home. In our offices, you can find electric mobility solutions, a doctor, a hairdresser, a gym, The Good Service (to help you with your errands), and much more! Health insurance. For you and all your family (spouse/partner and children). Life insurance. We help you protect what matters most to you. Flexible remuneration. In addition, you will enjoy our flexible remuneration model, allowing you to access other services such as nursery, transport card, and training aids. Free company shuttle. It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42, and A6) to get you to our ING office in Madrid comfortably. Banking benefits. Special loans with more beneficial conditions and special mortgage conditions after 6 months working at the bank. And you can benefit from our pension plan after 1 month with us! More vitality and more belonging. 360º care of the employee (physical, mental, social connection & purpose). Physiotherapy service on-site. Runners club with your own trainer. Clinics with professional, world-class athletes. Gympass service. Employee Networks: Rainbow Lions (LGBTQI+) & Leonas. Get to know Us We are a team of more than 1600 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go. A fully online bank where technology, innovation, simplicity, and transparency are the main ingredients, and the first one to work with agile methodologies. And although we are based in Spain, we are lucky to work in an international bank with a presence in more than 40 countries. We are proud to have a diverse team and we are committed to continue developing a culture of Diversity, Inclusion, and Belonging to foster a culture of collaboration and innovation that represents all collectives in society. And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey. Making things happen, helping others be successful, always being one step ahead—that's our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!
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