Product Owner

We are seeking a highly skilled and motivated Product Owner to join our dynamic Payments team at Token.io. As Product Owner, you will play a key role in shaping, developing, delivering, and documenting our core Pay by Bank products and capabilities. This is a high-impact role with direct influence over products that sit at the heart of Token.io’s Account-to-Account (A2A) payments offering. The role combines traditional product ownership responsibilities with technical writing and developer experience oversight, ensuring our products are intuitive, scalable, and supported by high-quality documentation that enables customers, partners, and developers to integrate with confidence.

Close collaboration with Engineering will be essential, with the Product Owner working as a key partner to translate product vision into clear technical requirements, support effective delivery, and ensure alignment on priorities throughout the development lifecycle.

Here’s what you get to do:

• Own and prioritise the product backlog for Payments, ensuring solutions are reliable, scalable, and secure.
• Work closely with engineering teams to design and deliver high-quality API-driven solutions.
• Own sprint planning, refinement, and retrospectives, driving efficient and predictable delivery.
• Collaborate with customers, partners, and internal stakeholders to gather requirements and shape product direction.
• Use tools such as Postman to explore, test, and validate APIs as part of product development.
• Contribute to improving the overall developer experience across our payments platform.
• Develop a strong understanding of how our SaaS platform integrates with and supports payment capabilities.
• Create and maintain clear, high-quality developer documentation, including API references and integration guides.

What we are looking for:

• Smart, entrepreneurial professional who loves technology and lives to innovate and deliver disruptive technologies into the market.
• Ability to translate complex technical concepts into clear, concise, and accurate documentation for developers and technical users.
• Strong writing skills with an emphasis on technical clarity, consistency, and user-focused content.
• Truly customer‑centered thinking with a passion to deliver the best possible service standards and documentation to customers.
• Have an ambition to innovate in the payments space and a proven track‑record of bringing well‑documented products to market.
• Proactive problem solver with an ability to think on your feet and accountable for the results.
• Curious with a passion for understanding our market, product, and technology, and explaining it clearly to others.
• Excellent presentation skills and the proven ability to influence and communicate effectively.
• Ability to change priorities quickly and willingness to do what it takes to get the job done; thrives in a high‑growth environment.
• Ability to foster strong team alignment and collaboration by creating harmony between Product and Engineering, while actively serving as a trusted voice for Engineering to ensure technical perspectives, constraints, and opportunities are fully represented in product decisions.

Previous experience must haves:

• Experience as a Product Owner (or similar), owning backlogs and working closely with engineering teams in an Agile environment.
• Strong technical background, with hands‑on experience working with APIs (design, testing, and integration).
• Relevant experience in payments, with a solid understanding of payment methods, schemes, and flows.
• Experience creating or contributing to developer‑facing documentation, including API references and integration guides.
• Familiarity with tools such as Postman, OpenAPI / Swagger, or similar API and documentation tooling.
• Proficient in using Jira to manage product backlogs, prioritise work items, define user stories and acceptance criteria, and track delivery progress across Agile teams.
• Familiarity with customer‑facing web application products and an understanding of user‑centric product design.
• Proven ability to collaborate effectively across cross‑functional teams (engineering, design, commercial).
• Strong analytical and problem‑solving skills, with a data‑driven approach to decision‑making.

It’s also good if you have:

• Experience working with Account to Account (A2A) payments systems across the UK and EU.
• Familiarity with Open Banking standards and frameworks, including PSD2 regulations and APIs.
• Understanding of Agile delivery practices within regulated financial services environments.
• Knowledge of markup languages (HTML, Markdown) and technical content management systems such as Redocly.

Open to all Token.io is building an open future for everyone. We don’t just accept different points of view, lived experiences and new ways of thinking — we search them out. They help us make better products, better decisions, and a better place for everyone to work. So, come as you are. We acknowledge and embrace different backgrounds, identities and abilities. Respect is our default, and empathy is our baseline. No one succeeds until we all do.