Product Owner - Core Systems

Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.
 
We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer.

Responsibilities

This role reports into the Lead Product Manager, and sits within the Core Systems team, alongside Business Analysts, Project Managers, Software Engineers, QA Engineers, and support functions.  
 
This role will focus specifically on Core Systems, the products and capabilities that underpin the organisation's internal users and core banking operations. This includes core banking platform capabilities, payment infrastructure, transaction processing, and the people and processes that operate these capabilities.
 
You will take ownership of the Core Systems product area, bringing together strong product management practice with a high degree of domain knowledge. The role will suit someone who can operate with autonomy, build and maintain a clear roadmap, work effectively with delivery squads and stakeholders, and turn complex technical capabilities into well-defined products and services that can be understood and consumed across the business.

Responsibilities:

• Own and develop the roadmap for Core Systems, ensuring priorities align with business strategy and operational needs
• Build a strong understanding of core banking systems and capabilities, including the ledger, payment infrastructure, transaction processing, and the teams responsible for operating them
• Identify needs, gather requirements, develop cases, assess value, and detail and prioritise epics, stories, bugs and defects to ensure work aligns with the product strategy and reduce technical debt
• Develop detailed feature/epic/story requirements with comprehensive acceptance criteria
• Translate complex technical capabilities into clear, usable products and services for internal users and teams across the business
• Support quality assurance and coordinate/conduct user acceptance testing, ensuring that requirements are met and the product continues to improve
• Communicate clearly with the engineering team, stakeholders, and senior leadership to define and measure success criteria, so plans and features are well understood, and meet expectations
• Create and maintain clear API and product documentation, ensuring Core Systems capabilities can be effectively understood, accessed, and provisioned across the business
• Periodically perform competitor analysis and research within the industry and beyond to identify opportunities for product enhancements
• Collaborate with other POs, Product Lead, and Projects Lead, to ensure alignment of priorities and synchronise delivery
• Serve as a product ambassador, sharing knowledge and answering questions
• Manage risks associated with the product(s), making informed decisions to mitigate these
• Develop and maintain strong domain knowledge, staying close to the underlying technology, operational processes, and business needs that support Core Systems

Requirements

• Three or more years of experience in product development, with detailed working knowledge of product development processes, turning technical capabilities and internal platforms into well-defined products that can be adopted and consumed across a business
• Experience working with core banking systems, financial infrastructure, payment systems, transaction processing, ledgers, or similarly complex technology platforms
• Strong domain knowledge and the ability to quickly understand complex technical and operational environments
• Experience creating clear product and API documentation and establishing effective processes for provisioning or enabling capabilities for internal users and teams
• Proven ability to own a product area and roadmap with a high degree of autonomy, while working effectively with delivery squads, engineers, and stakeholders
• In-depth knowledge of agile methodologies for project management including Scrum and Kanban
• Proficiency with product management tools and technology including the Atlassian and Microsoft suites
• Sharp analytical and problem-solving skills, and strong experience of using analytical tools to inform decision making and assess performance and value
• Understanding of business value related to features and functions
• Outstanding verbal and written communication, presentation, leadership, and stakeholder management skills
• A proactive, pragmatic and hands-on approach, with a willingness to get stuck in, understand problems, and find practical solutions
• A strong sense of ownership and accountability, with the confidence to make decisions, challenge assumptions, and drive progress
• Comfortable operating in a complex technical environment without needing to be closely managed, while knowing when to involve the wider team or escalate issues
• A collaborative and positive attitude, with the ability to build trusted relationships across Technology, Operations, and the wider business