Product Owner - Payments

About the Role

We are seeking a dedicated Product Owner to lead the Payments vertical at our company, Superchat AI, based in Dubai, UAE. This role involves complete ownership of the payments roadmap, day-to-day operations, and managing partnerships that enable smooth money movement for our users. You will be deeply involved in steering the end-to-end delivery, understanding regulatory and financial compliance for both local and international payments.

Responsibilities

• Manage the full lifecycle of the Payments roadmap, from ideation to launch and subsequent growth.
• Design and develop scalable payment infrastructures and processes.
• Convert user demands and market opportunities into actionable product priorities and detailed specifications.
• Collaborate hands-on with engineering teams on technical decisions, integration strategies, and delivery timelines.
• Oversee partnerships with payment processors, banking institutions, and other partners.
• Navigate and ensure compliance with regulations governing cross-border and domestic payments in the UAE and other key regions.
• Define, monitor, and analyze product KPIs such as transaction success, settlement effectiveness, activation rates, and retention metrics.
• Coordinate reconciliation, settlement, and exception-handling efforts with operations and finance departments.
• Work closely with Legal, Compliance, and Risk teams to guarantee regulatory adherence and risk management.
• Utilize data and user insights to continually enhance the payment system's reliability and user experience.

Requirements

• At least 5 years of relevant experience in payments or a related regulatory environment.
• Comprehensive understanding of payment processes including authorization, settlement, reconciliation, foreign exchange, and compliance standards.
• Proven experience collaborating with payment processors, banks, or equivalent partners.
• Ability to be hands-on: developing specifications, engaging with engineers, and actively managing partnerships rather than only overseeing the roadmap.
• Advanced analytical capabilities to base decisions on data-driven insights.
• Exceptional communication skills to articulate product vision and updates to leadership, partners, and regulatory bodies.
• Track record of launching products in regulated contexts.
• A proactive and action-oriented mindset suited for building new functions within a small, agile team.

Preferred Qualifications

• Familiarity with UAE or GCC payment regulations.
• Experience working with diverse payment products like cards, banking services, and money transfers.
• Background in early-stage or rapidly scaling companies where establishing foundational functions was required.