Business Analyst/Product Owner/Credit Cards

Key Responsibilities: Own the product lifecycle for card authorization transaction services, including roadmap, prioritization, and delivery. Partner closely with engineering, operations, fraud, and business teams to define and deliver new features and capabilities. Develop deep domain expertise in card transaction flows, including pre-authorization, authorization, and real-time decisioning. Analyze issuer platform needs and evolve capabilities to support scalability, resiliency, and compliance. Act as the SME on internal transaction orchestration tools, API interfaces, third-party processors (where applicable), and platform SLAs. Drive feature requirements, write user stories, and ensure clear articulation of business value to the development teams. Work closely with risk, fraud, and authorization strategy teams to align platform capabilities with control frameworks and business goals. Manage vendor relationships and integration projects, if applicable, related to transaction processing. Establish KPIs and metrics to track platform performance and continuously optimize throughput, latency, and approval rates. Preferred Background & Skills:10+ years of experience in product management within card issuing platforms or transaction processing systems. Experience working on in-house platforms (not just third-party issuer processors).Deep understanding of authorization message flows (ISO 8583), credit card transaction lifecycle, decisioning logic, and payment rails. Strong knowledge of banking and payment compliance, such as PCI DSS, and an understanding of authorization risk. Hands-on experience working with technology teams in an Agile/Scrum environment. Strong analytical, communication, and organizational skills, with the ability to manage complex projects and competing priorities. Comfort working in a fast-paced, highly matrixed enterprise environment like a top-tier bank. Knowledge of tools such as JIRA, Confluence, SQL (for data analysis), and API documentation tools.

Bonus Qualifications: Previous experience in credit card platforms at institutions like Capital One, Discover, American Express, or fintechs with their own issuing stack. Background in platform migrations, real-time services, or scalable distributed transaction systems. Familiarity with digital wallet authorization flows, contactless payments, or tokenization services.