Product Owner - Data Products

Who are Yapily

Why we exist, and where we’re headed:

• Our Mission: Redefining how the world interacts with value.
• Our Vision: A world without financial friction.
• Our Purpose: To empower everyone to access and move value.

At Yapily, we’re building a powerful, scalable, and secure open banking infrastructure that redefines how the world interacts with value. Our open banking platform powers leading companies, such as Adyen, Intuit QuickBooks, and Google. By delivering payment initiation, bank data access, and pre-built products, we enable businesses to innovate fast and push the boundaries of financial technology. As an early pioneer of open banking, we’re actively shaping the future of this industry with unrivalled expertise and a relentless focus on innovation.

What we’re looking for

We are looking for a Product Owner with strong financial data API products and API design expertise to own the execution and delivery of our Open Banking Data product across 19 UK & European markets. You will manage the backlog for data product engineering teams, working hands‑on with Data products (API, Hosted or SDKs), bank and country expansions, consent management, and account information services. This is a highly technical, execution‑focused role where you translate product strategy into delivered features. You are self‑sufficient in analysing bank API documentation, testing data flows with Postman, and writing detailed technical requirements. You leverage AI tools to enhance productivity in requirements analysis, documentation, and testing workflows. You work closely with our Product Managers and collaborate with our Analyst and Operations teams to deliver world‑class data connectivity capabilities.

Requirements

• Own and execute on the product backlog for engineering teams focused on open banking data products (AIS) across UK & European markets, translating product strategy from Product Managers into deliverable features.
• Lead sprint planning, daily standups, and delivery of data features with clear user stories and acceptance criteria.
• Conduct hands‑on technical analysis of bank API documentation for account information endpoints.
• Test data APIs using tools like Postman to understand response schemas, data structures, and edge cases.
• Understand and document account structures: account identifier formats, transaction data, balance types across different countries.
• Analyse transaction data schemas and variations between banks and countries.
• Review consent management flows and data privacy requirements per jurisdiction.
• Collaborate with Business Analyst and Bank Operations team for market intelligence and institution testing.
• Coordinate with other PMs and POs for cross‑functional initiatives.
• Make rapid prioritisation decisions during sprints to maintain delivery velocity.
• Provide input to product strategy based on technical feasibility and implementation learnings.

This list is not exhaustive, and there may be other tasks that we ask you to be involved in from time to time. Above all, you are flexible and want to add value wherever you can. You understand that in a start‑up, priorities change and we all need to be adaptable. Not only will you be comfortable when asked to input and lead in other areas, but you’ll be comfortable being a self‑starter and instigating changes yourself.

For your new role

• You have 4-6 years of experience as a Product Owner, Product Manager, Business Analyst, or Technical Product role in fintech or financial services.
• You have understanding of financial data: account information, transaction data, balances, and financial data structures.
• You are highly technical: you can read API documentation, understand REST APIs, and test with tools like Postman.
• You have experience with Open Banking, account aggregation, or financial data connectivity beyond Open Banking.
• You have proven experience owning product backlogs and leading agile delivery.
• You can write clear user stories, acceptance criteria, and technical specifications.
• You are self‑sufficient in conducting technical analysis while knowing when to leverage specialist support.
• You have understanding of data privacy, consent management, and GDPR/PSD2 requirements.
• You have excellent communication skills in English.
• You have strong analytical and problem‑solving skills with attention to data quality.
• You are eager to learn and grow toward a Product Manager role.
• You are driven and curious. You ask questions and strive to understand.
• You are comfortable working in a fast‑paced, evolving environment with ambiguity.
• You think outside the box and are pragmatic.
• You have a can‑do approach and switching up tasks comes naturally to you.

Benefits

• 25 days holiday a year (plus bank holidays) in the UK, 20 days in Lithuania, 23 days in Spain, 22 days in Germany. We also offer an additional holiday day after 1 year's service, up to the value of 5 days.
• We’re serious about work/life balance and operate hybrid working, giving you the flexibility to work from home, working from our amazing office space or work abroad for up to 30 days per year ‘Nomad Working’.
• Comprehensive Private Medical Insurance.
• Life Assurance and Income Protection (UK only).
• Company Pension Scheme.
• Enhanced Paternity and Maternity leave.
• £200 annual Learning and Personal Development budget.
• Cycle To Work Scheme.
• Employee Referral Scheme which offers £1,000 per employee referral.
• Monthly social budget.
• Daily snacks provided in the office.
• Dog friendly office.

Our values

• We obsess about quality. Our customers have entrusted us with a critical function in a regulated industry...and we take that responsibility seriously. We always assume ownership and hold ourselves accountable.
• We are curious. Our innovation is powered by our collective growth mindset. We’re lifelong learners who challenge assumptions, experiment, and iterate.
• We act with integrity. We’re guided by our mission and earn and maintain trust by doing what’s right, even when it’s not easy.
• We are do‑ers. We reject indifference and agility is our strength. We’re motivated by challenges, and biased towards action.
• We problem‑solve together. We’re diverse people in diverse places, and know the best solutions are born out of collaboration. We win, lose, and learn...together.