Overview
Payments product Owner – London
Reference Code: 371175-en_GB
Contract Type: Permanent
Professional Communities: Architecture
Job Title: PAYMENTS Product Owner
About the Job you are considering:
As Product Owner for regulated payment schemes (CHAPS, SEPA, FPS, BACS), you will be responsible for defining and delivering product capabilities that enable secure, compliant, and efficient processing of domestic and cross-border payments. You will lead the product strategy and roadmap for payment orchestration, scheme integration, and transaction lifecycle management, ensuring alignment with regulatory standards and business objectives.
Hybrid working:
The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of Company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.
Your Role:
Product Strategy & Ownership
• Define and own the product vision and roadmap for CHAPS, SEPA, FPS, and BACS payment flows.
• Translate regulatory and business requirements into actionable product features.
• Align product goals with enterprise architecture and Payment Acceptance strategy.
Backlog Management & Delivery
• Prioritise and manage the product backlog across multiple agile delivery teams.
• Write clear user stories and acceptance criteria for payment scheme integrations, transaction processing, and exception handling.
• Drive sprint planning, backlog grooming, and release coordination.
Stakeholder Engagement
• Collaborate with internal stakeholders including Compliance, Operations, Engineering, Treasury, and Risk.
• Engage with external scheme operators, clearing houses, and banking partners to ensure seamless integration and compliance.
• Communicate product progress, risks, and dependencies to senior leadership.
Domain Expertise
• Develop deep understanding of payment scheme rules, settlement cycles, and message formats (e.g., ISO 20022).
• Monitor regulatory changes and industry developments affecting domestic and cross-border payments.
• Ensure product compliance with FCA, PSD2, SWIFT, and scheme-specific mandates.
Operational Resilience & Risk
• Champion reliability, traceability, and exception management in payment processing.
• Support incident response and root cause analysis for payment failures or delays.
• Continuously improve payment routing logic, reconciliation, and reporting capabilities.
Your Skills:
You should have experience with
• Proven experience as a Product Owner or Product Manager in payments, banking, or financial technology.
• Strong understanding of CHAPS, SEPA, FPS, and BACS schemes and their operational requirements.
• Experience working in agile environments with cross-functional delivery teams.
• Excellent communication, stakeholder management, and analytical skills.
• Familiarity with similar enterprise orchestration platforms.
We are a Disability Confident Employer:
Capgemini is proud to be a Disability Confident Employer (Level 2) under the UK Government’s Disability Confident scheme. As part of our commitment to inclusive recruitment, we will offer an interview to all candidates who:
- Declare they have a disability, and
- Meet the minimum essential criteria for the role.
Please opt in during the application process.
Make It Real (what does it mean for you):
- You’d be joining an accredited Great Place to work for Wellbeing in 2024. Employee wellbeing is vitally important to us as an organisation. We see a healthy and happy workforce a critical component for us to achieve our organisational ambitions.
To help support wellbeing we have trained ‘Mental Health Champions’ across each of our business areas, and we have invested in wellbeing apps such as Thrive and Peppy. - You will be empowered to explore, innovate, and progress. You will benefit from Capgemini’s ‘learning for life’ mindset, meaning you will have countless training and development opportunities from thinktanks to hackathons, and access to 250,000 courses with numerous external certifications from AWS, Microsoft, Harvard Manage Mentor, Cybersecurity qualifications and much more.
- You will be joining one of the World’s Most Ethical Companies®, as recognised by Ethisphere® for 13 consecutive years. We live our values by making ethical business choices every day. Working ethically is at the centre of our culture at Capgemini, meaning you will be helping to create a future we can all be proud of.
Why you should consider Capgemini:
Growing clients’ businesses while building a more sustainable, more inclusive future is a tough ask. When you join Capgemini, you’ll join a thriving company and become part of a collective of free-thinkers, entrepreneurs and industry experts. We find new ways technology can help us reimagine what’s possible. It’s why, together, we seek out opportunities that will transform the world’s leading businesses, and it’s how you’ll gain the experiences and connections you need to shape your future. By learning from each other every day, sharing knowledge, and always pushing yourself to do better, you’ll build the skills you want. You’ll use your skills to help our clients leverage technology to innovate and grow their business. So, it might not always be easy, but making the world a better place rarely is.
About Capgemini:
Capgemini is an AI-powered global business and technology transformation partner, delivering tangible business value. We imagine the future of organisations and make it real with AI, technology and people. With our strong heritage of nearly 60 years, we are a responsible and diverse group of 420,000 team members in more than 50 countries. We deliver end-to-end services and solutions with our deep industry expertise and strong partner ecosystem, leveraging our capabilities across strategy, technology, design, engineering and business operations. The Group reported 2024 global revenues of €22.1 billion.
Make it real | www.capgemini.com
IMPORTANT: Before applying for this role, please make sure you have the right to work in the country where the role is based. Unless it clearly stipulates within in the job advert above that the hiring company is looking to or able to sponsor applicants it is deemed that the hiring employer will only consider applications from those able to comply with and work in the country where the role is based.
