Product Owner, Payment Gateway Transaction Processing at Xplor

Xplor Pay is seeking a customer-obsessed and technically fluent Product Owner to support our payment gateway, Quest, driving execution through its core infrastructure. This role is responsible for translating product strategy into delivery across a modern payment gateway platform that enables vertical SaaS partners and their merchants to accept card payments seamlessly and at scale. You will own backlog execution for capabilities spanning: • Core gateway services and APIs • Card payment acceptance (authorization, capture, refund, tokenization) • Embeddable payment components (SDKs, hosted fields, UI modules) • Gateway value-added services (fraud tools, vaulting, recurring billing, reporting, webhooks)Your Mission: Make it easy for software platforms to integrate, embed, and monetize frictionless consumer payments. Product Execution & Delivery • Own and manage the product backlog for Quest, ensuring clear prioritization aligned to business goals • Translate product strategy into detailed user stories, acceptance criteria, and sprint-ready work. • Partner with engineering teams in Agile ceremonies (sprint planning, standups, retrospectives). • Drive delivery of gateway features such as transaction routing, tokenization, fraud controls, and API enhancements.Payments & Gateway Optimization • Optimize authorization rates, routing logic (including least cost debit routing), and transaction performance. • Support expansion into new payment types (e.g., debit, credit, digital wallets, real-time payments). • Collaborate on value-added services like recurring billing, network tokens, and fraud tools. • Ensure high availability, low latency, and scalability of gateway services.Cross-Functional Collaboration • Work with compliance, risk, and legal teams to ensure adherence to card network rules (e.g., Visa, Mastercard). • Partner with commercial, implementation, and support teams to gather feedback and improve partner experience. • Collaborate with UX and developer experience teams to enhance APIs, SDKs, and documentation.Partner & Customer Focus • Advocate for ISVs, developers, and merchants using Quest. • Identify friction points in onboarding, integration, and transaction processing. • Support key partner implementations and escalations when needed.Data & Performance Monitoring • Define and track KPIs such as auth rates, latency, uptime, and transaction success rates. • Use data to inform prioritization and continuous improvement. • Monitor production issues and partner with engineering on root cause analysis.Essential duties include but are not limited to: • Supporting major company-wide key initiatives to add new system capabilities. • Coordinate on-time delivery of roadmap items with other interdependent departments. • Evaluate business processes, performing requirements analysis and documenting requirements. • Aligning with business stakeholders on requirements to ensure business needs are being met. • Serve as liaison between business stakeholders and scrum teams to prioritize requirements. • Provide support and assistance for troubleshooting issues and production support. • Monitor deliverables to ensure timely completion.