Product Owner (Back Office)

Unlimit is a global fintech ecosystem built to eliminate financial borders holding businesses back. The company provides the extensive infrastructure needed to scale globally, integrating payment processing, multi-currency business accounts, BaaS and crypto gateways into a single, intelligent platform.

Across 17 offices globally, Unlimit bridges hyper-local expertise with a high-capacity financial network, giving companies the agility to expand across regions with operational confidence and speed. Driving the evolution of payments, Unlimit is transforming its infrastructure from human-operated fintech into AI-native financial infrastructure — where APIs are consumed by machines, integrations are negotiated by agents, and systems evolve continuously through intelligent automation. Our next users are not only humans. They are AI agents acting on behalf of humans and businesses.

Unlimit serves more than the needs of businesses today; we are building the nervous system for a borderless global economy.

4+ years of experience in payments / PSP / acquiring / e-money / fintech / banking, with hands-on experience owning reconciliation, settlement, or ledger processes.

Strong understanding of the payment lifecycle: authorization, capture, refunds, chargebacks, representments, and their impact on money movement and balances.

Knowledge of card schemes and APMs: understanding of settlement timing, provider files, fee structures, and dispute mechanics across different payment methods.

Strong understanding of accounting and ledger principles: double-entry accounting, wallets, multi-currency, and FX.

Strong SQL skills: ability to independently investigate production data and identify the root causes of financial discrepancies.

Experience working with payment data and integrations: CSV/XML/JSON, SFTP, APIs, and reconciliation of data from different sources.

End-to-end ownership experience: proven ability to own a product or process, define requirements, manage a backlog, run UAT, and drive delivery across multiple teams.

High attention to detail and an analytical mindset: ability to work with financial data, validate assumptions using evidence, and thoroughly investigate discrepancies. Fluent written English.

Experience onboarding new payment schemes / APMs, including provider reports, field mapping, fees, refunds, and chargebacks.

Knowledge of PCI DSS, AML, safeguarding/client money, and regulatory reporting requirements.

Experience working with Finance and accounting systems, including GL interfaces, month-end close, and merchant liability reporting.

Experience building and improving operational controls, automating reconciliation, and reducing manual intervention.

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.