Payments Product Owner

Breakwater Technology is a technology solutions company passionate about Customer tailored product development. From requirements definition and specification, software coding and development, to application support and maintenance; we can understand and assist with the entire product lifecycle. With a drive fuelled by curiosity, engagement, and an agile mindset, we strive to deliver the highest possible business output of every task and project.

We’re looking for a Product Owner to lead the Payments domain, covering PSP integrations, payment methods, transaction processing, and the internal payments platform.
You’ll own the product vision and roadmap for how our system handles payments end-to-end — from cashier UI/UX to backend routing and transaction lifecycle.
This is a cross-functional role at the intersection of product, technology, and operations. You’ll work closely with engineering, architecture, data, and compliance teams to deliver secure, seamless, and scalable payment experiences for our users.

As a Payments PO in BWT you are going to do::
• Define and maintain the product vision and strategy for the Payments domain.
• Own and manage the internal backlog — features, technical tasks, PSP integrations, and platform improvements.
• Drive end-to-end PSP integrations, including discovery, API analysis, delivery, and post-launch support.
• Collaborate with developers, architects, and QA to plan sprints, clarify requirements, and ensure timely delivery.
• Facilitate agile ceremonies — refinements, sprint plannings, retrospectives, and continuous backlog grooming.
• Lead discovery sessions to explore new payment methods, PSPs, and technical capabilities.
• Partner with UI/UX, Data, Business/System Analysts, and Compliance to build complete, reliable solutions.
• Act as the main point of contact for stakeholders — balance business priorities, tech constraints, and user needs.
• Oversee the UI/UX of the payment gateway and cashier, ensuring clarity, conversion, and minimal friction.
• Understand and optimize payment transaction processing flows — from initiation to callbacks and error handling.
• Translate API documentation into clear development tasks and acceptance criteria.
• Work within regulatory and technical frameworks such as PCI DSS, PSD2, and 3DS2.
• Track and improve KPIs such as success rates, latency, and user conversion.
• Maintain accurate technical documentation and flow diagrams.

You will be successful in this role when you have::
• 3+ years of experience as Product Owner, Product Manager, or System Analyst in Payments, FinTech, or iGaming.
• Strong understanding of PSP APIs, payment processing, and gateway logic.
• Familiarity with microservice architecture, event-driven systems, and communication between services via brokers (Kafka, RabbitMQ, etc.).
• Ability to interpret API specs (REST, JSON, webhooks) and translate them into development tasks.
• Solid understanding of payment lifecycle — auth, capture, refund, chargeback, settlement.
• Knowledge of payment regulations and frameworks (PCI DSS, PSD2, 3DS2) and how they affect product requirements.
• Hands-on experience working with agile development teams (Scrum or Kanban).
• Experience facilitating discovery, refinement, and delivery processes.
• Proven ability to manage stakeholders and align multiple priorities across cross-functional teams.
• Strong communication and documentation skills in English.

Nice to have::
• Experience designing or optimizing payment UI/UX.
• Knowledge of Postman, Swagger, or similar tools for API testing and validation.
• Familiarity with observability tools (Grafana, Kibana) and SQL for quick data checks.
• Experience in high-load or high-risk transaction environments.

Why us?:
• At Breakwater Technology you are not recruited to work for us, you are hired to work 'with' us this means we are fully invested in your professional growth and development and ensuring your work is engaging, fulfilling and fun
• In this dynamic and collaborative work environment, we foster a culture built on the pillars of honesty, where transparent communication is valued; growth, as we invest in the continuous development of our team members; respect, ensuring an inclusive and supportive atmosphere; and freedom, empowering individuals to contribute their unique perspectives and ideas
• Our working language is English and we work hard to create an inclusive environment, at BWT you never lunch alone (unless you really want to)
• We are a social bunch, whatever your sport or whatever your game, you will be sure to find someone to join you. We even compete as a team in different sporting events (and we like to win)
• Our benefits are industry leading and we value our employees offering competitive salaries and incentives
• Our modern office has a stunning view of Ülemiste lake and Tallinn Airport; and as if that was not enough, we have breakfast together once a week and you can always find fresh fruit and snacks in our kitchen

Candidate experience is one of the core values in our recruitment process. To make it as transparent and smooth as possible, we have prepared this video to give you an idea what are the stages if you qualify for the role.

At Breakwater, we’re passionate about creating an inclusive workplace for everyone, no matter their age, gender identity, race, sexual orientation, physical or mental ability, or ethnicity. Join us in creating a workplace where your contributions are recognized, and you can thrive as your true self.