Product Owner (Back Office)
Unlimit is a London-based global fintech providing cross-border payment processing, business accounts, banking-as-a-service, card issuing, and crypto/stablecoin payment infrastructure.
About Unlimit
Founded in 2009, Unlimit operates a global financial-services platform for businesses, combining payment processing, local and international payment methods, multicurrency business accounts, banking-as-a-service APIs, card issuing, payment rails, and digital-asset on/off-ramp capabilities. The company is headquartered in London and operates across multiple continents.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will own the Back Office product lifecycle, including its functionality, business logic, data model, documentation, and roadmap. You will define reconciliation and settlement rules, protect wallet and ledger integrity, translate operational needs into requirements, lead UAT, manage incidents, and support Finance, Compliance, Support, and Audit.
Requirements
- 4+ years of experience in payments PSP acquiring e-money fintech or banking
- Hands-on experience owning reconciliation settlement or ledger processes
- Understanding of authorization capture refunds chargebacks and representments
- Knowledge of card schemes and alternative payment methods
- Understanding of double-entry accounting wallets multi-currency and FX
- Strong SQL skills for investigating production data
- Experience with CSV XML JSON SFTP APIs and multi-source reconciliation
- Experience owning products or processes defining requirements managing backlogs and running UAT
- Strong attention to detail analytical skills and fluent written English
- Experience onboarding payment schemes or alternative payment methods is advantageous
- Knowledge of PCI DSS AML safeguarding client money and regulatory reporting is advantageous
- Experience with Finance and accounting systems and operational controls is advantageous
Responsibilities
- Own Back Office functionality business logic data model documentation and roadmap
- Define reconciliation rules tolerance thresholds and break management
- Manage settlement cycles fees reserves netting FX adjustments and payouts
- Define wallet and balance rules across currencies
- Translate operational regulatory and business needs into a prioritized backlog
- Write clear and testable requirements
- Define acceptance criteria and lead UAT
- Coordinate testing approve releases and verify deployment outcomes
- Manage critical incidents and financial data corrections
- Provide documentation for Finance Compliance Support and Audit