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Product Owner- Payments Strategy

United States, Springfield · Job Posted April 14, 2026
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Job Description

The Product Owner will own the enterprise payments strategy across all commerce channels for a large, complex retail organization. The role requires deep experience operating at scale and partnering across technology, operations, finance, security, and external vendors to define and execute a modern, resilient payments ecosystem.

Job Responsibility

  • Define and own the end-to-end payments strategy across in-store, mobile, and digital commerce platforms
  • Set product strategy across all layers of the payments stack, from customer-facing hardware through back-end processing and settlement
  • Lead RFPs and vendor evaluations for: Point of Interaction (POI) and PIN Entry Device (PED) hardware, with a strong emphasis on mobility and flexible store execution
  • Payment gateways and semi-integrated middleware solutions
  • Payment processors and acquiring partners
  • Establish a long-term payments roadmap that balances near-term business needs with future-ready capabilities such as new tender types, evolving security standards, and scalable global expansion
  • Partner closely with engineering, architecture, store operations, finance, legal, and security teams to ensure alignment on strategy, priorities, and execution
  • Drive standardization and simplification where possible while supporting the realities of a large, highly variable store fleet
  • Ensure compliance with PCI, regulatory requirements, and internal risk standards across all payment solutions

Requirements

  • Manages and develops all aspects of a product or service to ensure it achieves its full impact and value in the market.
  • Oversees and manages all stages of a product's lifecycle, from ideation to retirement, ensuring efficient processes, timely delivery, and adherence to quality standards.
  • Operates as a recognized expert to plan, organize, prioritize and oversee activities to efficiently meet objectives.
  • Communicates and articulates potential resolutions or strategies in a clear, compelling, and tailored manner to address specific challenges or meet organizational needs.
  • Analyzes and researches market conditions and facts in order to develop a full and comprehensive understanding of the market to enable it to be utilized for the benefit of the organization.
  • Determines and analyzes trends from data that is collected to assist in compiling reports that will help in decision-making.
  • Identifies potential stakeholders, analyzes their expectations, and develops strategies for managing stakeholders and their expectations.
  • Identifies, sequences, and resources project schedules for timely completion.
  • Plans, identifies, monitors, analyzes, and prioritizes risks (threats and opportunities), creates response plans, and manages the risk if it occurs.
  • Identifies, verifies, and manages changes to the scope of the project or program, utilizing the most appropriate approach.
  • Identifies appropriate measures for assessing solution performance and limitations, validates with key stakeholders, and collects appropriate performance measures to assess overall solution performance to recommend specific actions to increase solution value.
  • Identifies, tracks, and enables the achievement of the planned benefits and intended outcomes of a program and associated projects.
  • Develops an effective change strategy based on gap analyses and enterprise readiness assessment results, including transitions states and release plans.
  • Education: Bachelor's Degree or Equivalent Level
  • Experience: Experienced practitioner able to deal with the majority of situations and to advise others (3 to 6 years)
  • Managerial Experience: Experience supervising and directing team members and utilizing resources to achieve specific end results within limited timeframes (1 to 3 years)

Nice to have

  • Proven experience owning or leading payments platforms or payment strategy at a large retailer or Fortune-scale enterprise
  • Hands-on experience with enterprise payment ecosystems, including hardware, gateways, processors, and vendor management
  • Demonstrated success leading RFPs, negotiating with vendors, and making build vs. buy decisions at scale
  • Strong strategic mindset paired with the ability to operate in the details when needed
  • Experience building and communicating multi-year product roadmaps for complex, cross-functional platforms
  • Comfortable navigating ambiguity, legacy systems, and large organizational complexity

What we offer

  • Competitive Wages & Paid Time Off
  • Stock Purchase Plan & 401k with Employer Contributions Starting Day One
  • Medical, Dental, & Vision Insurance with Optional Flexible Spending Account (FSA)
  • Team Member Health/Wellbeing Programs
  • Tuition Educational Assistance Programs
  • Opportunities for Career Growth
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