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About the Role

REPAY is seeking a strategic and execution-focused Product Owner to drive the product roadmap for REPAY’s Clearing and Settlement (RCS) product. RCS processes transactions after authorization, turning payment activity into settled and reconciled client deposits. This role is responsible for the RCS money movement functionality and the complete service experience for ISO customers and merchants using our Clearing and Settlement platform. You will partner with REPAY business leaders, Product Management, and engineering teams to translate stakeholder needs into product decisions and requirements that make clearing, settlement, and billing for high-volume consumer payments simpler, faster, and more reliable.

Responsibilities

• Own and maintain a rolling four-quarter product roadmap for RCS, identifying market opportunities and aligning development priorities
• Partner across Sales, Technology, Operations, Client Relations, and customers to drive roadmap decisions, and communicate changes to ISOs and merchants
• Drive delivery of product initiatives in close coordination with Engineering and QA, prioritizing the backlog to deliver value quickly
• Engage cross-functionally on Go-to-Market execution and ongoing technology and security maintenance priorities
• Improve the external customer experience — usability, task efficiency, and adoption — while maintaining expert-level product and market knowledge
• Apply AI tools to accelerate research, requirements development, and documentation of new functionality

Requirements

• 5+ years of progressively responsible Product Owner experience in consumer or business payments and financial technology
• Demonstrated money movement experience across the full payment lifecycle — authorization, clearing, settlement, funding, and payout
• Experience with merchant billing & residuals, including calculation, reporting, and reconciliation of ISO/partner residual payouts
• Understanding of basic accounting practices (debits/credits, accruals, reconciliation) as they relate to clearing and settlement operations and merchant billing
• Experience managing daily and monthly billing cycles and their effects on operations and reporting
• Card brand expertise (Visa, Mastercard, Discover, Amex) with a working understanding of interchange categories and their impact on merchant costs
• Proven ability to translate stakeholder input into clear requirements — including hands-on use of AI tools for research, PRD development, and stakeholder communications — and lead cross-functional teams from problem definition through Agile engineering delivery
• Skilled at consultative, technical, and business discussions with diverse stakeholders and customers, balancing competing priorities and operational risk
• Proven ability to define and monitor user metrics (adoption, activation, task completion, support volume) to prioritize improvements
• Well-organized, adaptable, and action-oriented, with a commitment to continuous improvement
• Payments Professional Certification (e.g., AAP, CPP)
• Certified Product Owner or Certified Scrum Product Owner (CSPO) designation
• Strong proficiency with JIRA and confluence
• Background in UX research methods: interviews, usability testing, journey mapping
• Experience in leading partner integration activities including business requirements, engagement model and technical coordination.
• We are interested in every qualified candidate who is eligible to work in the United States.
• This position is not eligible for hire in California.
• Additionally, we are not able to sponsor visas.

Skills

• Product Owner
• consumer or business payments
• financial technology
• money movement
• payment lifecycle
• authorization
• clearing
• settlement
• funding
• payout
• merchant billing
• residuals
• calculation
• reporting
• reconciliation
• ISO/partner residual payouts
• accounting practices
• debits/credits
• accruals
• clearing and settlement operations
• merchant billing
• daily and monthly billing cycles
• operations
• reporting
• Card brand expertise
• Visa
• Mastercard
• Discover
• Amex
• interchange categories
• merchant costs
• stakeholder input
• clear requirements
• AI tools
• PRD development
• stakeholder communications
• Agile engineering delivery
• consultative discussions
• technical discussions
• business discussions
• diverse stakeholders
• customers
• competing priorities
• operational risk
• user metrics
• adoption
• activation
• task completion
• support volume
• continuous improvement
• JIRA
• confluence
• UX research methods
• interviews
• usability testing
• journey mapping
• partner integration activities
• business requirements
• engagement model
• technical coordination

Location

• Atlanta, Georgia

Work Type

• Full-time

Experience Level

• 5+ years of progressively responsible Product Owner experience

Education Level

• Payments Professional Certification (e.g., AAP, CPP)
• Certified Product Owner or Certified Scrum Product Owner (CSPO) designation

Benefits

• 100% coverage of employee healthcare premiums
• life insurance
• disability insurance
• work-life balance resources
• 401(k)-employer match
• Employee Stock Purchase Plan
• Annual Bonus Program

About the Company

• REPAY (“Realtime Electronic Payments” / NASDAQ TICKER: RPAY) is an established and fast-growing publicly traded financial technology and payment processing company headquartered in Atlanta, Georgia, with offices across the country.
• REPAY enables its customers to accept payments anytime, anywhere, and through any channel while providing a secure, seamless, and enjoyable payment experience for the end consumers.
• REPAY offers a comprehensive suite of electronic payment and funding solutions, including debit and credit card processing, ACH processing, Instant Funding, and electronic bill payment systems with full IVR, text, and mobile capabilities.
• The scalability of its products allows merchants of all sizes to add an instant arsenal of intelligent payment technology solutions to their businesses without significant development costs or infrastructure investments.
• As the industry-leading financial technology provider in the Consumer Finance and Business to Business spaces, we continue to set the standard for application development and delivery.
• In 2019, REPAY became a public company listed on the Nasdaq Stock Market (RPAY).
• For the past three consecutive years, we have placed on the ACG® Atlanta Georgia Fast 40, a list recognizing the top 40 fastest-growing middle-market companies in Georgia.
• REPAY’s leadership empowers each team member to make a difference and stretch to their fullest potential.
• Our dedication to frequent, transparent communication is shown with companywide meetings where our leaders share company vision and encourage employees to ask questions.
• We offer it all: business to casual dress, great snacks & beverages, and open-air collaborative team settings.
• REPAY has been certified as a Great Place to Work® company for 2017, 2018, 2019, 2020, 2021, and 2022.
• The REPAY team is fun, smart, collaborative, and truly enjoys working together.
• Making a difference in our local communities – we support several philanthropic initiatives every year to give back to our local communities.
• We are self-driven, motivated professionals who do not require micro-management to ensure we produce high quality and timely work.
• We create highly sophisticated payment processing applications and are always pushing the boundaries of what is possible.
• We are constantly revolutionizing the industry by building on new ideas from clients and employees.
• We provide the resources necessary to ensure new innovations can develop quickly and with quality.
• We encourage continuing education, including professional conferences and events.
• We believe our people are the best, and we care immensely about their success.
• REPAY’s core values are Excellence, Passion, Innovation, Respect, and Integrity.

Equal Opportunity

• REPAY is an Equal Opportunity Employer and we promote a company culture where diversity, equity and inclusion are central.
• We are committed to build our teams and grow a company in which employees can succeed, regardless of race, color, national origin, sex, sexual orientation, gender identity or expression, transgender status, pregnancy, religion, age (40 and over), disability, service in the uniformed services, protected veteran status, genetic information, or any other classification protected by federal, state or local law.
• Celebrating our diverse backgrounds, views and beliefs allows us to embrace what makes us unique and continue to innovate and push the boundaries of what is possible.