Product Owner - Payments Operations Platform

Capital.com is a global fintech building trading and investment products used by millions of clients across multiple regulated markets. The platform combines complex financial infrastructure with intuitive user experience.

• 3+ years of experience as a Product Owner / Product Manager in fintech, payments, or a regulated environment
• Strong understanding of payments operations, including deposits, withdrawals, and reconciliation workflows
• Experience building or improving internal tools / operational platforms
• Familiarity with verification flows (KYC/KYB), payment methods, and transaction lifecycles
• Ability to work with APIs, backend systems, and engineering teams on system design decisions
• Strong analytical mindset with a focus on operational efficiency and automation
• Proven ability to manage stakeholders across Operations, Risk, Compliance, and Engineering
• Comfortable owning a single-threaded team and driving delivery end-to-end

Nice to have:

• Experience with rule engines, automation systems, or decisioning frameworks
• Exposure to providers like Sumsub, KYCAID, or similar verification tools
• Understanding of IBAN validation, name matching, and payment risk controls

• Own product vision, strategy, and execution for the Payments Operations Platform
• Lead development of agent-facing tools across key domains: Bank Deposit Review & Automation (queues, rules engine, validations), Payment Method Verification (integration orchestration with providers like Sumsub / KYCAID), Withdrawal Processing (manual review, approvals, escalations), Transaction lifecycle management & visualisation (unified operational view and control)
• Drive continuous improvements in payment UI and operational workflows on a quarterly basis
• Optimize key metrics such as processing time, error rates, automation rate, and operational load
• Translate complex operational and business requirements into a clear, prioritized backlog
• Work closely with Payments Core teams while maintaining clear ownership boundaries (operations tooling vs processing layer)
• Manage integrations and external interfaces across payments operations domains
• Align stakeholders across Operations, Risk, Compliance, and Engineering