Senior Product Manager - Digital Payments Networks

Job Description

Senior Product Manager: Digital Payments Networks

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Product Management · Real-Time Payments · Digital Banking · Payment Networks

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Fort Mill, SC | Hybrid | Full-Time Opportunity

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ABOUT US

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Incedo is a global AI, data, and digital transformation specialist that helps leading enterprises drive innovation and business growth through technology. With over 4,000 professionals across the US, Canada, Latin America, and India, Incedo combines expertise in AI, data analytics, and digital engineering to deliver impactful solutions across Banking & Payments, Telecom, Hi-Tech, Wealth Management, and Life Sciences.

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At Incedo, we foster a culture of innovation, collaboration, and continuous learning, empowering our people to solve complex challenges and deliver measurable business outcomes for leading enterprises.

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THE ROLE

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We are seeking a Senior Product Manager to lead the strategy, roadmap, and delivery of next-generation digital payment capabilities. This role will focus on real-time money movement, person-to-person (P2P) payments, and integrations with leading payment networks including Zelle, RTP, FedNow, and ACH.

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You will serve as the product leader responsible for defining innovative payment experiences, driving network integrations, and partnering across engineering, operations, fraud, risk, compliance, and business teams. The ideal candidate combines deep payments expertise with strong product management skills and a proven track record delivering complex financial technology solutions in highly regulated environments.

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WHAT YOU'LL DO

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• Define and execute the product strategy and roadmap for digital payments, real-time money movement, and P2P payment capabilities
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• Lead payment network integrations, onboarding activities, certification processes, compliance requirements, and operational readiness initiatives
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• Translate business objectives and customer needs into product roadmaps, user stories, acceptance criteria, and prioritized backlogs
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• Partner with engineering teams to drive Agile delivery, sprint planning, backlog refinement, release management, and product execution
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• Collaborate with fraud, risk, compliance, and legal teams to ensure secure and compliant payment experiences
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• Oversee the end-to-end payment lifecycle, including authorization, routing, posting, settlement, exception management, and reconciliation
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• Serve as the primary liaison across business stakeholders, operations teams, customer support organizations, and technology teams
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• Define, monitor, and optimize key product performance metrics, including payment adoption, transaction success rates, fraud performance, customer satisfaction, and transaction latency
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• Support production stability initiatives, incident management activities, root-cause analysis, and ongoing platform enhancements
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• Evaluate market trends, competitive offerings, customer feedback, and emerging payment technologies to inform product strategy
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• Drive stakeholder alignment across multiple business and technology organizations to deliver successful outcomes
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WHAT YOU BRING

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Must Haves

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• 10+ years of product management, product ownership, or digital product leadership experience
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• Hands-on experience working with payment networks such as Zelle, RTP, FedNow, ACH, or comparable real-time payment solutions
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• Strong understanding of payment rails, transaction processing, settlement workflows, and money movement ecosystems
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• Experience defining product vision, roadmaps, business requirements, and customer-focused payment solutions
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• Proven success leading Agile product teams and delivering complex technology products from concept through launch
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• Experience writing user stories, acceptance criteria, functional requirements, and product specifications
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• Knowledge of financial services regulations, risk controls, compliance requirements, and payment network operating rules
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• Strong analytical, communication, stakeholder management, and executive presentation skills
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Good to Have

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• Experience with core banking systems, digital banking platforms, payment hubs, payment orchestration solutions, or API-driven financial ecosystems
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• Familiarity with payment network certification processes, operational readiness activities, and implementation governance
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• Experience working with fraud detection platforms, transaction monitoring systems, and risk scoring models
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• Knowledge of ISO 20022, Open Banking, embedded finance, and emerging payment technologies
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• Certifications such as CSPO, PSPO, SAFe Product Owner/Product Manager, or equivalent product management credentials
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• Experience within consulting, fintech, banking, or client-facing product delivery environments
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• Familiarity with cloud-native architectures, APIs, microservices, and modern payment infrastructure platforms
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WHY YOU'LL LIKE IT HERE

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• Lead the development of innovative digital payment experiences used by customers at scale
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• Work at the forefront of real-time payments, instant money movement, and payment network innovation
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• Collaborate with experienced product leaders, architects, engineers, and industry experts
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• Influence strategic product decisions that drive customer growth, operational efficiency, and business outcomes
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• Join an employee-first culture focused on innovation, continuous learning, and career advancement
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• Gain exposure to some of the industry's most important payment modernization initiatives
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EQUAL OPPORTUNITY

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We are an equal opportunity employer and celebrate diversity. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We are committed to creating an inclusive environment for all employees.