Product Owner - EMI Products

About the role

ACE Money Transfer, a UK-headquartered fintech company based in Manchester, provides digital remittance and payment solutions across the UK, Europe, Canada and Australia. As Product Owner (EMI), you will own several Electronic Money Institution product domains, turning business objectives into product backlogs and delivering solutions across the customer journey. You will work with engineering, compliance, operations, finance and commercial teams, guide junior product team members and help shape the long-term evolution of the product ecosystem.

Key responsibilities

• Own and manage EMI product areas such as onboarding, accounts, wallets, payments, cards, pricing, transaction controls, servicing and limits, and turn business goals into roadmaps and prioritised backlogs.
• Drive initiatives from discovery and planning through development, launch and optimisation, writing PRDs, user stories, business requirements, workflows and acceptance criteria.
• Lead backlog refinement, sprint planning, UAT, release planning, deployment readiness and post-launch reviews, with regulatory, operational, security and technical considerations.
• Lead EMI and payments products: Digital Accounts, Wallet Solutions, Card Issuing and Lifecycle Management, Domestic and Cross-Border Payments, Transaction Controls, Pricing/Fees/Limits, Settlement, Safeguarding, Reconciliation and Ledger Functions, and KYC/KYB/AML/Fraud Prevention.
• Work with Compliance and Risk to keep products compliant, and with Finance to build business cases and measure commercial impact.
• Monitor KPIs, analyse customer feedback and operational bottlenecks, and coach Associate and Junior Product Managers.

Required profile

• Bachelor's degree in Business, Computer Science, Engineering, Information Systems, Finance or a related field.
• 5-8 years of Product Management or Product Ownership experience in fintech, payments, banking or regulated financial services.
• Strong understanding of EMIs, digital banking, wallets, payment products and card ecosystems.
• Agile/Scrum experience; hands-on work with engineering teams, regulated business functions and third-party technology providers.
• Knowledge of KYC, KYB, AML, safeguarding, settlement, reconciliation, fraud prevention and payment operations is highly desirable.

Required skills

• Agile/Scrum
• PRD creation, backlog management and sprint planning
• Analytical thinking, stakeholder management, commercial awareness and communication