Senior Principal Product Owner: Core

JOB DESCRIPTION:

The Senior Product Owner at Cellulant will play a pivotal role in driving the strategy and execution of our financial transaction products. This role combines the strategic, market-focused responsibilities of a Product Manager with the solution-oriented, engineering-focused duties of a Product Owner. The successful candidate will bridge the gap between external market demands and internal technical execution to deliver exceptional payment solutions across multiple African markets.

This role is crucial for enabling seamless payment collections, payouts, and remittance services, ensuring regulatory compliance, and optimizing revenue through transaction fees and foreign currency spreads. The candidate must have extensive demonstrable experience in the African market, the design and workings of Mobile Money, payment methods (including the 4-party model in card payments), reconciliation and settlement, core banking platforms and integration, treasury management, AML & Fraud, and security considerations.

CORE RESPONSIBILITIES

• Develop and execute the product strategy, aligning with Cellulant's business goals and market opportunities.
• Conduct market research to identify trends and opportunities in the African financial services landscape, specifically related to payment collections, payouts, mobile money, and international remittances.
• Analyse customer needs and pain points through user research and feedback loops.
• Translate market insights into a clear product vision and roadmap that aligns with Cellulant's overall business objectives
• Define product vision and roadmap, prioritising features and enhancements based on market demand and business value.
• Engage with key stakeholders, including merchants, financial institutions, and regulatory bodies, to gather feedback and ensure product alignment with market requirements.
• Collaborate with sales, marketing, and business development teams to ensure product-market fit and drive customer acquisition.
• Work closely with the software engineering team to translate product vision into detailed user stories, requirements, and acceptance criteria.
• Prioritize features and user stories for development sprints, ensuring alignment with the product roadmap and business goals.
• Conduct user acceptance testing (UAT) to validate that delivered features meet the specified requirements and user expectations.
• Collaborate with cross-functional teams, including QA, UX/UI, and customer support, to ensure a seamless end-to-end product delivery.
• Monitor and analyse product performance, using data-driven insights to make informed decisions and drive continuous improvement.

QUALIFICATIONS & EXPERIENCE:

• 8+ years of experience in product management, with at least 5 years in fintech or payments within African markets. Demonstrable experience working within the African market, understanding its unique dynamics, regulatory frameworks, and cultural nuances
• Proven track record of successfully launching and scaling products in multiple African countries
• Deep understanding of Mobile Money ecosystems and operations in Africa, In-depth knowledge of mobile money platforms, including their design, functionality, and adoption patterns.
• Extensive knowledge of various payment methods, including the 4-party model in card payments
• Strong experience with reconciliation and settlement processes in financial transactions. Ability to address discrepancies and manage financial flows efficiently.
• Familiarity with core banking platforms and integration methodologies.
• Understanding of treasury management principles and practices; treasury operations, liquidity management, and risk mitigation strategies.
• Experience implementing AML and fraud prevention measures in financial products. Implementation of robust security protocols to safeguard transactions.
• Strong background in security considerations for financial transactions
• Proven track record of successfully launching and scaling products in African markets
• Strong understanding of payment systems, mobile money, and cross-border transactions
• Experience with Agile methodologies and product ownership
• Strong communication and leadership abilities
• Fluency in English; knowledge of other African languages is a plus
• Experience with multi-channel payment methods, including card acceptance, mobile money, API integration, USSD, and web portals.
• Excellent communication and leadership skills, with the ability to influence and collaborate with cross-functional teams.
• Data-driven mindset with strong analytical and problem-solving skills.

SKILLS AND ATTRIBUTES PREFERRED:

• Expertise in financial technologies and payment systems, with a strong understanding of digital payment gateways and security protocols.
• Strong leadership skills, with the ability to manage and inspire a team of product managers.
• Excellent communication and stakeholder management skills, essential for coordinating with multiple teams and reporting to executive leadership.
• Strong number crunching capabilities with the ability to navigate and use data analysis tools to drive a data driven approach to insights and recommendations
• A strategic mindset capable of balancing various perspectives and making informed decisions that align with business goals.