Product Owner (Back Office)

Job description

**About Unlimit** Unlimit is a global fintech ecosystem built to eliminate financial borders holding businesses back. The company provides the extensive infrastructure needed to scale globally, integrating payment processing, multi-currency business accounts, BaaS and crypto gateways into a single, intelligent platform. Across 17 offices globally, Unlimit bridges hyper-local expertise with a high-capacity financial network, giving companies the agility to expand across regions with operational confidence and speed. Driving the evolution of payments, Unlimit is transforming its infrastructure from human-operated fintech into AI-native financial infrastructure — where APIs are consumed by machines, integrations are negotiated by agents, and systems evolve continuously through intelligent automation. Our next users are not only humans. They are AI agents acting on behalf of humans and businesses. Unlimit serves more than the needs of businesses today; we are building the nervous system for a borderless global economy. ### What You’ll Be Doing **Own the Backoffice end-to-end**: be accountable for functionality, business logic, data model, documentation, roadmap, and overall system lifecycle. **Own reconciliation processes**: define matching rules, tolerance thresholds, and break management; monitor reconciliation quality and reduce manual intervention and recurring discrepancies. **Own settlement and payouts**: manage settlement business logic, including settlement cycles, fees, reserves, netting, FX, and adjustments, while ensuring payout transparency and control. **Ensure wallet and ledger integrity:** define wallet and balance rules across currencies, monitor the correctness of money movements, and prevent unexplained discrepancies and balance inconsistencies. **Drive requirements and roadmap:** translate operational, regulatory, and business needs into a prioritized backlog, write clear and testable requirements, and make trade-off decisions together with Engineering. **Own delivery and release quality:** define acceptance criteria, lead UAT, coordinate business testing, approve releases, and verify outcomes after deployment. **Manage incidents and operational continuity**: act as the escalation point for critical incidents, assess financial impact, coordinate remediation and post-incident reviews, and oversee financial data correction processes. **Partner with Finance, Compliance, Support, and Audit:** provide required documentation and evidence, support regulatory and audit requirements, participate in month-end close, and train Back office users. ### Qualifications You Will Bring 4+ years of experience in payments / PSP / acquiring / e-money / fintech / banking, with hands-on experience owning reconciliation, settlement, or ledger processes. Strong understanding of the payment lifecycle: authorization, capture, refunds, chargebacks, representments, and their impact on money movement and balances. Knowledge of card schemes and APMs: understanding of settlement timing, provider files, fee structures, and dispute mechanics across different payment methods. Strong understanding of accounting and ledger principles: double-entry accounting, wallets, multi-currency, and FX. Strong SQL skills: ability to independently investigate production data and identify the root causes of financial discrepancies. Experience working with payment data and integrations: CSV/XML/JSON, SFTP, APIs, and reconciliation of data from different sources. End-to-end ownership experience: proven ability to own a product or process, define requirements, manage a backlog, run UAT, and drive delivery across multiple teams. High attention to detail and an analytical mindset: ability to work with financial data, validate assumptions using evidence, and thoroughly investigate discrepancies. Fluent written English. ### Nice-to-Have Experience onboarding new payment schemes / APMs, including provider reports, field mapping, fees, refunds, and chargebacks. Knowledge of PCI DSS, AML, safeguarding/client money, and regulatory reporting requirements. Experience working with Finance and accounting systems, including GL interfaces, month-end close, and merchant liability reporting. Experience building and improving operational controls, automating reconciliation, and reducing manual intervention.