Product Owner - Acquiring

Join COLIBRIX ONE – Innovating the Future of Payments

At COLIBRIX ONE*, we’re building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK. As a fully licensed Electronic Money Institution (FCA Reference No. 927920) and holder of a Financial Institution Licence issued by the MFSA, as well as a principal member of both VISA and Mastercard, we provide comprehensive, real-world financial solutions that include:

Global card processing

Digital wallet infrastructure

Cross-border merchant accounts

Alternative payment methods (APMs)

Corporate accounts for legal entities

We’re a fast-growing team with a passion for innovation, security, and scalability. Our culture values curiosity, collaboration, and impact - and we’re looking for talented professionals who are ready to shape the future of fintech.

At COLIBRIX ONE, your work directly powers the digital economy. If you're eager to solve meaningful challenges and build with purpose, we’d love to hear from you.

About the Role

We are looking for a Product Owner to lead and develop our Acquiring product at COLIBRIX ONE — a fully licensed EMI (FCA & MFSA), principal member of Visa and Mastercard, building AI-powered payment infrastructure for PSPs, EMIs, and neobanks across the EU and UK.

This is not a generic acquiring role. We're looking for someone who understands the mechanics of subscription and recurring payment models — including billing logic, payment recovery, and chargeback management — and who can think at scale: across merchant portfolios, payment ecosystems, and product strategy.

Responsibilities

Own the Acquiring Product

Define and drive the product roadmap for acquiring

Own the full product lifecycle — from discovery and prioritization to launch and post-launch optimization

Manage backlog and priorities based on metrics, strategy, and merchant needs

Translate market needs into clear product decisions with a long-term vision

Subscriptions & Recurring Payments

Lead product development across recurring billing flows: CIT, MIT, card-on-file, retries, and dunning

Improve authorization rates, recovery rates, and overall recurring payment performance

Work with PSPs and orchestration providers to optimize routing and processing

Compliance & Scheme Expertise

Ensure full compliance with Visa and Mastercard rules, including recurring payment regulations

Apply deep knowledge of authorization, clearing, settlement, 3DS, and tokenization

Manage subscription-specific risk: chargebacks, friendly fraud, trial abuse, and scheme thresholds

Support KYC/KYB and AML requirements across merchant categories

Merchant & Market Focus

Understand the needs of both high-risk and low-risk merchant categories

Assess subscription business models: unit economics, churn, fraud exposure

Identify opportunities to improve approval rates and merchant experience at scale

Cross-Functional Collaboration

Partner with risk, compliance, legal, finance, and engineering teams

Facilitate Agile practices within the product team

Support go-to-market efforts in collaboration with marketing and partners

What We're Looking For

Must-Have

Experience in product management within fintech / payments / card acquiring

Proven experience with subscription and recurring payment models

Direct experience working with Visa and Mastercard as a principal member

Deep understanding of scheme rules, recurring billing compliance, and chargeback management

Risk & Compliance Knowledge

Expertise in chargebacks in subscription environments

Solid knowledge of Visa / Mastercard thresholds and recurring payment rules

Familiarity with 3DS, tokenization, KYC/KYB, AML

Product & Commercial Skills

Ability to think at scale — across merchants, products, and ecosystems

Strong analytical and data-driven mindset

Ability to assess business models and translate insights into product priorities

Additional

Fluent English; Russian is an asset

Ownership mindset and ability to operate independently

Experience with card processor integrations is a plus

What We Offer:

Opportunity to shape the future of fintech solutions within a growing company

Collaborative, horizontal team structure that values your expertise and ideas

Continuous learning and development opportunities to enhance your skills and career growth

Competitive salary and benefits package

Flexible work arrangements to support work-life balance

Please note that this position is offered within the COLIBRIX ONE. Employment will be under the appropriate legal entity based on the role and location.