IDL_PO

Job Title: IDL_Product Owner

About Us

“Capco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount. With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery.

WHY JOIN CAPCO?

You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry.

MAKE AN IMPACT

Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services.

#BEYOURSELFATWORK

Capco has a tolerant, open culture that values diversity, inclusivity, and creativity.

CAREER ADVANCEMENT

With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands.

DIVERSITY & INCLUSION

We believe that diversity of people and perspective gives us a competitive advantage.

Job Description:

Role purpose

Own and drive the product vision, roadmap, and delivery for intraday liquidity capabilities, ensuring the bank can monitor, forecast, and optimise intraday cash and liquidity positions across entities, currencies, and payment systems. You’ll translate Treasury/Liquidity and Payments needs into scalable, compliant with BCBS248 and RAF principles - specifically principle 2, data-driven solutions that improve control, resilience, and decision-making.

Key responsibilities

Product strategy & ownership

• Define product vision, outcomes, and OKRs for intraday liquidity monitoring, forecasting, and controls.

• Own and prioritise the product backlog, balancing regulatory commitments, risk reduction, operational resilience, and business value.

• Develop and maintain a multi-quarter roadmap aligned to Treasury, Payments, Operations, Risk, and Technology strategies.

Intraday liquidity domain leadership

• Partner with Treasury transformation /legal entity Liquidity teams and the Group liquidity team to define intraday liquidity metrics, limits, early-warning indicators, and escalation triggers.

• Drive capabilities for real-time/near-real-time visibility of cash positions, payment flows, and liquidity buffers across nostro/vostro, central bank accounts, and internal ledgers (as applicable).

• Support stress scenarios and contingency playbooks (e.g., payment gridlock, market disruption, correspondent outages).

Delivery & execution

• Lead agile ceremonies and ensure delivery teams have clear, testable requirements (user stories, acceptance criteria, non-functional requirements).

• Work with engineering and architecture to design solutions that are resilient, observable, and scalable (latency, throughput, availability).

• Ensure end-to-end delivery across data ingestion, enrichment, analytics, dashboards, alerts, and workflow.

Data, controls & reporting

• Define data quality standards and lineage requirements for intraday liquidity data (timeliness, completeness, accuracy).

• Deliver MI and dashboards for key stakeholders (Treasury, Ops, Risk) with drill-down and auditability.

• Embed controls: reconciliations, exception management, alerting, and evidence capture for audits/regulatory reviews.

Stakeholder management

• Act as the primary interface between business stakeholders and technology teams; manage expectations and trade-offs.

• Coordinate across global teams and time zones; ensure consistent adoption and change management.

• Present product progress, risks, and decisions to senior forums.

Risk, compliance & governance

• Ensure solutions meet internal governance, model risk (where forecasting is used), operational risk, and regulatory expectations.

• Partner with Risk/Compliance to document controls, approvals, and ongoing monitoring.

• Maintain clear documentation: product artefacts, process maps, runbooks, and support models.

Key deliverables

• Product vision, roadmap, and quarterly plans

• Prioritised backlog with clear user stories and acceptance criteria

• Intraday liquidity dashboards, alerts, and workflow tooling

• Data quality framework and control evidence

• Operating model: roles, RACI, runbooks, and KPIs

Required experience & skills

Domain

• Strong knowledge of intraday liquidity concepts: payment flows, nostro/correspondent banking, central bank accounts, liquidity buffers, intraday limits, and settlement cycles.

• Intraday regs BCBS 248 and FiR Principle 2.

• Understanding of payment schemes and messaging (e.g., SWIFT MT/MX/ISO 20022), and how payment statuses impact liquidity.

• Familiarity with Treasury/Liquidity risk management and regulatory expectations for intraday liquidity monitoring (jurisdiction-dependent).

Product & delivery

• Proven Product Owner/Product Manager experience delivering data/analytics or workflow products in a regulated financial services environment.

• Strong agile delivery skills (Scrum/Kanban), backlog management, and value-based prioritisation.

• Ability to write clear requirements and translate complex domain needs into implementable solutions.

Data & technology

• Experience with data platforms and real-time/streaming concepts (e.g., event-driven architectures), plus BI/visualisation tools.

• Comfortable working with APIs, data models, reconciliation logic, and observability (monitoring/alerting).

• Strong understanding of non-functional requirements: resilience, security, performance, and auditability.

Soft skills

• Excellent stakeholder management and communication; able to influence across functions.

• Strong writing skills.

• Analytical mindset with strong problem-solving and decision-making under time pressure.

• Collaborative, inclusive approach; able to work effectively across cultures and geographies.

Preferred qualifications

• Experience in Treasury, Liquidity Risk, Payments Operations, or Cash Management.

• Exposure to forecasting/analytics (including model governance where applicable).

• Certifications: PSPO/CSPO, SAFe (if relevant), or equivalent product/agile credentials.

Success measures

• Improved timeliness and accuracy of intraday position visibility (e.g., reduced data latency, fewer breaks)

• Reduced number/severity of intraday liquidity incidents and escalations

• Increased automation of reconciliations and exception handling

• Stakeholder adoption and satisfaction; measurable reduction in manual effort

• Audit/regulatory outcomes supported by strong evidence and controls