Payments - AVP Product Owner

Job description

Date live: 07/09/2026 Business Area: In Business BSS Area of Expertise: Product Development & Management Contract: Permanent Reference Code: JR-0000120651 Join us as a Product Owner in Barclays' Payments business, working at the forefront of innovation to shape products and experiences that deliver value for customers and drive commercial outcomes. You will be part of a dynamic, inclusive and high-performing team that embraces collaboration, continuous learning and a strong focus on customer outcomes. As the voice of the customer within cross-functional teams, you will translate customer needs, business priorities and strategic objectives into clear product direction, prioritised backlogs and impactful solutions. Working closely with Technology and business stakeholders, you will help solve complex challenges, connect dependencies across a sophisticated technology landscape, and deliver scalable capabilities that improve customer experiences from concept through to launch and optimisation. To be successful as a Product Owner, you should have: **Basic/ Essential Qualifications:** - Demonstrable experience of working with and managing a broad range of stakeholders in a matrix environment - Comfortable operating in a **distributed product organisation**, progressing delivery **on behalf of a journey owner or senior product lead** and within a clearly defined scope - Experience delivering change in **large‑scale digital environments** (Barclays or equivalent), working effectively with Technology, Data, Operations and Control partners. - Able to translate **onshore product direction and regulatory intent** into clear, prioritised backlogs and high‑quality delivery artefacts. - Considerable understanding of Customer journey management and improvement - Knowledge of market trends, competitor landscape and ability to benchmark against set goals - Comfortable using **AI‑enabled tools** to improve backlog quality, analysis, insights and documentation, while recognising accountability remains with Product - Strong problem solving capability - Experience of using data to make decisions and recommendations - As minimum intermediate level of Excel and PowerPoint - Knowledge and application of agile ways of working methodology including JIRA - Considerable commercial acumen - Strong judgement on **when to act vs when to align or escalate**, particularly where customer harm or regulatory risk may arise. - Proven experience in a **regulated Open Banking and/or Payments experience**, with strong awareness of consumer duty, SLAs, NFRs, customer communications, and control obligations. **Desirable skillsets/ good to have:** - Experience in product management/ownership - Experience in digital product design - Experience with Agentic AI, Spec Driven Development, Rapid Prototyping etc.. - Experience in consumer lending You may be assessed on the key critical skills relevant for success in role, such as experience in product management/ownership. Demonstrable experience of working with and managing a broad range of stakeholders in a matrix environment. This role will be based out of Pune. **Purpose of the role** The purpose of a Product Owner is to maximize the value of the product by defining a clear product vision (are they setting the vision or would this align to ), managing authoring, refining and prioritizing the Product Backlog balancing trade-offs across desirability, viability and feasibility – making sure the right thing is being ‘built’, and prioritising work based on business goals. They act as the primary liaison between stakeholders and delivery teams, ensuring the product meets user/customer needs and delivers optimal value. Product Owners are responsible for developing a roadmap and driving execution of their product area/sub-journey, applying continuous improvement principles and techniques. **Accountabilities** - Ensure Product Alignment with Business Goals: Ensure that the product & its features are aligned with broader objectives, driving value and contributing to the organization’s overall strategy. Utilisation of market research, analysis of customer feedback and monitoring of industry trends to identify new products, features or enhancements. - Communicate Product Vision to Delivery Teams: Clearly articulate the product vision and goals to the delivery teams, ensuring they understand, align and are inspired to deliver the business value and purpose of each feature or user story. - Create and Refine User Stories: Write clear, concise user stories with detailed acceptance criteria, refining them as needed to ensure the development team has all the necessary information to implement features successfully. - Agile Events: Participate in key Agile events such as sprint planning, daily stand-ups, sprint reviews, and retrospectives to keep the team aligned and focused on delivering the product backlog. - Managing the Product Backlog: Responsible for creating, maintaining, and prioritising the product backlog, ensuring the highest value features are delivered first, based on business needs, customer requirements and organisational impacts, balancing risk migration and future proofing against the product strategy. - Act as the Voice of the Customer: Continuously gather feedback from customers and end-users to understand their pain points and ensure that the product meets their needs and improves their overall experience. - Acceptance Criteria Definition & Management: Review and accept or reject work completed by the development team during sprints, ensuring that all delivered features meet the agreed-upon acceptance criteria and deliver business value. - Collaborate with Stakeholders: Work closely with stakeholders (e.g., customers, business leaders, and marketing teams) to gather requirements, define product goals, and ensure that the product vision aligns with business objectives. - Monitor Product Performance and Iterate: Regularly assess product performance using KPIs and