Product Manager (Acquiring & Issuing) Barcelona Card Schemes

About Unlimit Founded in 2009, Unlimit is a global fintech company with 16 offices all over the world and more than 500 employees, that offers a large portfolio of financial services - from acquiring (payment processing) to banking as a service.
Our mission is to be "ready for tomorrow" and to provide our customers with a sense of stability in the everchanging financial landscape and an opportunity to be prepared for whatever the tomorrow of business brings their way, so that while others observe, they can already take an advantage.
About the role: Unlimit is the most cutting-edge payment company providing a unique and high-tech suite of solutions to e-commerce merchants and card issuing products.
As part of our dynamic growth, we seek a Product Manager Acquiring & Issuing to our Card Schemes Department with proven experience and expertise in Card Acquiring and (or) Issuing.
In this role, you will be responsible for the development and launch of new Acquiring card methods for Acquiring portfolio and Card products and services for Issuing portfolio with focus on EU, UK, APAC, Africa markets working closely with Card Schemes (Visa / MC and other Schemes), Partners, Vendor, Card Manufacture.
To help accomplish your responsibilities, you will work closely with the Card Processing team, Settlement team, Finance team, PSP, Legal, Acquiring team, Analytics teams, Banking team and other departments involved in the acquiring & issuing setup or process.
This position expects a lot of communication with Card schemes, external stakeholders, and partners.
Fluent English – must.
We understand that a candidate can be a Star in one of the verticals (acquiring or issuing) and accordingly, we are ready to consider candidates with relevant work experience in at least one of these verticals (Acquiring or Issuing) with the desire and ability to grow and develop in other verticals.
Responsibilities: End-to-end product management of our Card payment methods: starting with getting a license for acquiring & issuing methods in Card Schemes ending the technical implementation of the card methods & products and launch to the market.
Definition, planning, specification, product development, go-live, and rollout.
Develop relationships with card schemes (MasterCard / Visa / JCB / AMEX etc.)
as part of the implementation of Cards payment methods.
Analysis of technical documentation of Card Schemes, preparing and describing business requirements for new Acquiring card methods and Issuing products, control and execution of mandatory changes of Card Schemes.
Development of business and technical requirements for each developed Acquiring & Issuing card product and service.
Interaction with TPP, Card Schemes, vendors for the manufacture and personalization of cards.
Collaborate closely with cross-functional teams to innovate and launch new card payment products & services for Acquiring and Issuing and to drive excellence in our network.
Provide day-to-day product delivery and quality management.
Ensure awareness of product status and roadmap risks across the group.
Drive post-launch look-backs and internal process improvements.
Commit to continuous improvement through metrics and user-driven insights.
Analyze and understand how card-acquiring methods and services fit into the market and merchant needs.
Continuously enhance and improve Card's acquiring capabilities.
Develop Manuals and Instructions for the internal Departments for each product & method, SLAs, etc.
for the effective rollout of Acquiring and Issuing business and ensuring smooth operation of the business.
Analyze Card Scheme invoices in detail on a monthly basis to ensure that the assigned fee is billed correctly, analyzing the costs in detail every month to ensure that the assigned budget is met and closely work with Finance and Reconciliation team.
Handle run products and resolve them in an effective and quick manner.
Maintain an excellent knowledge of the Acquiring market including competitive analysis and ad hoc market research.
Ensuring compliance with Mandatory Changes of Card Schemes.
Building new Acquiring and Issuing products and enhancing our existing solutions.
Effectively document and describe the business and technical requirements, understand business processes, prioritize the team's backlog.
Define and document the problem, scope, functional specifications and requirements, use cases and success criteria for new functionality.
Create test plans and run testing for new products, documentation and work closely with go-to-market teams to deliver working features.
Optimize existing business processes focusing on reducing processing errors and improving transaction processing time.
Optimize existing business processes focusing on reducing processing errors and declines.
Requirements: Strong knowledge and technical background in Card Acquiring payments, Card Issuing and in card payment processing.
Experience with APAC, ASIA, LATAM markets as a plus.
Proven experience in Card Acquiring payments & Issuing of the technical implementing of card methods with Card Schemes.
Proven experience in the certification of the Card products with Card Schemes (MC / Visa etc.).
Excellent knowledge of Card Schemes Rules (Visa / MasterCard etc.).
Understanding of business needs and having the ability to connect the technical part with business ones.
Strong knowledge of Card Schemes Invoice structure & settlement process and reconciliation.
Proven experience working with Mandatory Changes of Card Schemes.
Strong Expertise in payment systems, card methods and technologies.
Proven experience and deep understanding of bank card issuing organization (Perso Bureau, processing, back office).
Proven experience with Perso Bureau in the implementation and launch of card products.
Good knowledge and understanding in EMV technology and specifications.
Clear knowledge of the end-to-end card flow including bank acquiring, recurring tokenization payments, Apple & Google Pay and similarities/differences across Card schemes and data messaging standards.
Must be a succinct communicator and be highly analytical.
Must be able to talk knowledgeably with Card Schemes, vendors, Partners, banks who live and breathe payments every day.
Experience integrating third-party providers.
Strong leadership and decision-making skills, with a track record of driving results in a dynamic environment.
A good technical and project management understanding of how complex products are developed.
Passionate about the acquiring & issuing industry.
Fluent English.
Will consider as a plus: Knowledge/working experience with APAC, LATAM, Africa, India markets.
Proven experience and deep understanding of the implementation of a new card product (key management/certificates/chip profile creation/certification).
We offer: Attractive monthly salary paid in line with experience.
Vacation, sick, and paid holidays.
Full-time: 5/2 (Saturday and Sunday days off).
A team of top international professionals to learn from.
Multicultural working environment.
***Please Submit Resumes in English*** Join Unlimit Team now!
Unlimit is an equal opportunity employer.
We believe passionately that employing a diverse workforce is central to our success.
We make recruiting decisions based on your experience and skills.
We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief.
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