Product Owner - Payments

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 deep payments and API design expertise to own the execution and delivery of our Open Banking Payment product across 19 UK & European markets. You will manage the backlog for payments product engineering teams, working hands-on with Payment products (API, Hosted or SDKs), bank and country expansions, regulatory changes, and local payment methods. 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 payment flows with Postman, and writing detailed technical requirements and including AI tools into your day-to-day operations. You work closely with our Product Managers and collaborate with our Analyst and Operation teams to deliver world-class payment capabilities.

Requirements:

• Own and execute on the product backlog for engineering teams focused on open banking payment products (PIS) across UK & European markets, translating product strategy from Product Managers into deliverable features.
• Lead sprint planning, daily standups, and delivery of payment features with clear user stories and acceptance criteria.
• Conduct hands-on technical analysis of bank API documentation for payment endpoints.
• Test payment flows using tools like Postman to understand API behaviour, SCA flows, and edge cases.
• Understand and document payment schemes: SEPA, SEPA Instant, Faster Payments, and local payment methods.
• Collaborate with Analyst and Operations teams for market and bank intelligence and testing.
• Coordinate with other PMs and POs for cross-functional initiatives.
• Make rapid prioritisation decisions during sprints to maintain delivery velocity.
• Support customer-facing teams by clarifying product behaviour and investigating technical queries.
• Ensure high-quality delivery with clear definition of done and release planning.

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, or Technical Product role in payments, fintech, or financial services.
• You have deep understanding of payment systems: SEPA, instant payments, PSD2 payment initiation, and SCA flows.
• You are highly technical: you can read API documentation, understand REST APIs, and test with tools like Postman.
• You have proven experience owning product backlogs and leading agile delivery in an engineering environment.
• You have experience with Open Banking or payment initiation services (PIS).
• You can write clear user stories, acceptance criteria, and technical specifications.
• You're using AI tools in your day-to-day activities.
• You are self-sufficient in conducting technical analysis while knowing when to leverage specialist support.
• You have strong understanding of European payment landscape and regulatory requirements (PSD2, SCA).
• You have excellent communication skills in English; additional European languages are a plus.
• You are results-oriented and can manage competing priorities effectively.
• You are driven and curious. You ask questions and strive to understand.
• You think outside the box and are pragmatic. You bring experience and best practices from elsewhere.
• You understand the importance of attention to detail and ensuring quality outputs.
• You have a can-do approach. You think on your feet and switching up tasks comes naturally to you.
• You think outside of the box and are pragmatic. You will bring in and iterate on the experience, skills and knowledge of best practice that you have seen elsewhere. You are always looking for better and cost-effective ways to do things.

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, work 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.