Back Office Product Owner (Fintech)

Product Owner for fintech back office at Unlimit, Belgrade. Own backoffice functionality, reconciliation, settlements, and wallet integrity. Onsite, full-time.

Own the Backoffice end-to-end — functionality, business logic, data model, documentation, roadmap, and lifecycle. Manage reconciliation — define matching rules and thresholds, oversee breaks, and reduce manual intervention and recurring discrepancies. Drive settlement and payouts — own settlement logic, including cycles, fees, reserves, netting, FX, and adjustments, ensuring transparent and controlled payouts. Ensure wallet & ledger integrity — define balance rules across currencies and ensure accurate, traceable money movement. Drive requirements & roadmap — translate business, operational, and regulatory needs into a prioritized backlog and clear, testable requirements, making trade-offs with Engineering. Own delivery & release quality — define acceptance criteria, lead UAT, coordinate testing, approve releases, and validate outcomes in production. Manage incidents & operational continuity — handle critical escalations, assess financial impact, coordinate remediation, and oversee financial data corrections.

3+ years in payment/financial operations across payments, fintech, crypto, or banking. Strong knowledge of payment rails: SEPA/Instant, SWIFT, Faster Payments, ACH, card acquiring, open banking. Crypto & AML/CTF knowledge: blockchains, stablecoins, wallets, tracing, KYC/CDD, sanctions/PEP, SoF, Travel Rule, SAR/STR, MiCA, VASP requirements. Strong reconciliation & controls skills: ledgers, settlements, cut-offs, discrepancies, transaction investigation. Advanced Excel/Google Sheets; SQL preferred. Analytical, detail-oriented, and communicative: sound judgement, discretion, and fluent English.

Onsite in Belgrade (Skyline Tower) Full time Employment Agreement Medical Insurance FitPass 25 vacation days annual Approved budgets for corporate education