As our Product Owner - Cards, your mission is to build the most seamless and secure card experiences on the planet. This means giving our users effortless control over their money - from getting a refund with a single tap, to getting paid by their customers using just their phone.

You'll own features that are critical to our user's financial life and business success. Your responsibilities will include:

Designing and delivering a frictionless, in-app refund process for card payments. Driving the vision and adoption of Tap to Pay, transforming our users' phones into simple, powerful payment terminals and eliminating their need for complex, costly hardware. Ensuring both the refund and Tap to Pay experiences are perfectly adapted to meet the specific expectations and regulations of each new country we enter, making our product feel native everywhere.

If you're up for this challenge, join us!

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As our Head, US Global Payments Solutions Commercial Cards Operations, you will:

Optimise end-to-end Commercial Card operations, including onboarding, account builds, lifecycle management, billing, disputes, settlement, fraud, and program servicing. Provide executive oversight of the TSYS and FISERV platforms. Provide oversight of the Mastercard and Visa networks, as related to operational and monitoring activities supported in the team. Work directly with Commercial Card related Vendors and 3rd parties as necessary to support activities, research, issue resolution: FIS (TSYS), Idemia, Mastercard, Visa. Ensure operational readiness for product enhancements and platform changes, including UAT (User Acceptance Testing) coordination and validation. Establish strong risk and control frameworks aligned with regulatory and network requirements. Drive service excellence and support complex commercial client programs. Lead operational transformation initiatives, automation efforts, and platform enhancements. Manage senior stakeholders across Product, Technology, Client Management, and other internal departments. Lead and develop onshore and offshore operational teams; drive performance through Key Performance Indicators, Objectives and Key Results, and Service Level Agreements.

You'll likely have the following qualifications to succeed in this role:

Extensive experience in Commercial Cards within a regulated financial institution. Deep experience with TSYS or comparable card processing platforms. Deep knowledge of corporate card products such as purchasing cards, small business revolving, virtual cards, CTA (Central Travel Account) accounts, corporate world elite, one cards, etc. Strong understanding of card network rules, disputes/chargebacks, and fraud processes. Strong knowledge of billing structures, rebate programs, reconciliation within cards portfolio. Proven experience leading teams onshore and offshore, managing operational risk. Demonstrated ability to drive transformation and scale operations.

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming and inclusive work environment. You will be empowered to drive HSBC's engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You'll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC.

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We have a Hybrid approach to working here at Engine - our preference is that you're located within a commutable distance of one of our offices so that we're able to interact and collaborate in person.

In this role within Engine’s Product & Technology function, you’ll run one or more subdomains in the Cards area, ensuring successful product development throughout, as well as having oversight and involvement in the creation of new cards features.

You’ll also work closely with the wider cards product team, including contributing to the broader cards roadmap.

You’ll have touch points with our existing and future clients to ensure we support them effectively.

You’ll enjoy problem solving, getting to the detail, and understanding how clients can make the best use of our product, whilst designing ways to improve it.

Your work will span product strategy, client-facing requirements gathering & solution design, and product ownership in an Engineering context.

Key responsibilities include:

• Taking ownership of a best-in-class card product by scoping out breakthrough features, and owning the end-to-end delivery of your sub-domain(s) in close alignment with the Product and Engineering domain leaders.

• Contributing to the overall card roadmap with inputs from your subdomain(s).

• Working cross-functionally with engineers, designers, document writers, and QA to drive the design and delivery of improvements to the product that align with the vision of the business, taking into account existing and potential clients.

• Confidently and independently prioritising incoming tasks and clearly communicating ‘the what’ and ‘the why’ of each decision to both internal and external stakeholders.

• Managing deadlines and being responsible for proactively raising delivery risks that may impact our client projects.

• Developing a close relationship with our Delivery and Customer Success teams, taking the lead on assessing feature requests and client requirements as a key input into overall feature and roadmap definition.

• Working closely with our Business Development team by helping the team understand Engine’s capabilities in your domain and joining early-stage Sales conversations as an SME.

• Being responsible for being the champion of the feature, telling different teams and clients about the product, and adapting your style of communication and materials to different stakeholders.

Requirements include:

• 2+ years of direct Product manager/owner experience, ideally in FinTech or with a regulated lender.

• Having owned and delivered new features, projects or products from start to finish and have gathered clear learnings on what went well and what didn’t.

• Strong preference that you have experience in card payments: Visa/Mastercard, card payment regulatory compliance, 3DS, mobile wallets, card processing.

• Experience working across different regions and jurisdictions is a plus.

• Being comfortable leading multiple workstreams on the go as well as presenting existing and new capabilities internally and externally to clients.

• Having experience working directly with APIs.

• Having a keen eye for mobile UX and a good understanding of market trends in the cards world.

• Being able to manage competing priorities, whilst keeping sight of the big picture and driving towards an end goal.

• Being intellectually and technically curious and enjoying learning what things do and how they work.

• Having a knack for understanding technical concepts and enjoying getting into the details with engineering and design.

• Having good communication skills that will be required to work with both internal and external stakeholders.

• Being comfortable handling ambiguity and working in a flat structure.

• Proactively taking accountability for important and strategic activities.

Interview process includes a 45-minute conversation with someone from the team, a 1-hour conversation with two more people from the team including our Technical Product Director, and a 45-minute conversation with two of the senior leadership team.

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We are an engineering-led company and we’re looking for people who are excited by the potential for Engine’s technology to transform banking in different markets around the world.

Our purpose is underpinned by five values: Listen, Keep It Simple, Do The Right Thing, Own It, and Aim For Greatness.

As a Senior Engineer you will:

• Have the opportunity to lead projects or functional areas/domains within the Engine team and platform

As an Engineer you will:

• Design and build integrations with global card payments networks in a cloud-native environment

• Contribute to our award-winning platform and internal tooling

• Build new features and products from scratch in a configurable way

• Share your knowledge with those around you, contributing to our learning culture

• Own your projects, working in small teams across the bank to collaboratively deliver

• Aim for greatness in everything you do, staying curious and inquisitive

• Be part of a scaling team and organisation as we change banking for good

Requirements

We’re open-minded when it comes to hiring and we care more about aptitude and attitude than specific experience or qualifications.

For the most part we code in Java, but you need not be an expert when you join us!

We believe in clean coding, simple solutions, automated testing and continuous deployment.

If you care enough to find elegant solutions to difficult technical problems, we’d love to hear from you.

For this specific role ideally you will:

• Have experience with Visa or Mastercard system integrations

• Have worked at a Bank, Fintech, Issuer or Acquirer on card integration projects

We have built our entire banking platform in-house and mostly in Java.

We are looking for people who want to work on building the tooling that is used by our engineers on a daily basis.

The main part of our Backend Tech Stack is listed below, we don't ask that you have experience in all of this, but if you do, that's great!

• Java, which makes up the majority of our backend codebase

• AWS & GCP - we're cloud-native

• Microservice-based architecture

• Kubernetes (EKS)

• TeamCity for CI / CD (lots of teams are releasing code 15-20 times per day!)

• Terraform and Grafana

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