Arbeitsbeschreibung - Senior Card Scheme & Transaction Processing Product Owner

About the Role

We are looking for a hands-on, self-driven Cards & Payments expert to take ownership of our end-to-end card scheme management, transaction lifecycle and reconciliation processes. This is a high-impact role where you will drive operational excellence, financial control, and continuous improvement across our card payment ecosystem.

If you thrive in a fast-moving environment and enjoy working at the intersection of finance, operations, and technology, this role is for you.

What You’ll Do

Own the full card transaction lifecycle (authorization, clearing, settlement, posting), govern Visa/Mastercard scheme changes, and continuously improve process frameworks and operating procedures
Oversee all reconciliation activities (scheme/network, settlement, GL), drive timely resolution of breaks and discrepancies, and set tolerance thresholds, controls, and escalation frameworks
Act as the central point of contact for Finance & Accounting, Operations, Technology, and external partners (schemes, processors, vendors), enabling cross-functional collaboration to drive issue resolution
Define and track KPIs (reconciliation timeliness, processing accuracy), build reporting dashboards for leadership, and conduct root cause analysis to eliminate recurring issues
Identify and implement automation, digitization, and standardization opportunities, including platform migrations, reconciliation tool implementations, and best practices like auto-matching and exception-based processing
Ensure adherence to card scheme rules (Visa, Mastercard), regulatory requirements (PSD2, AML), and internal governance policies, while managing the impact of regulatory changes and maintaining incident tracking for governance forums

What We’re Looking For

5+ years of experience in leading card scheme management, payments, or financial operations
Strong understanding of:
- Card transaction lifecycle
- Reconciliation processes
- Payment schemes (Visa/Mastercard)
Experience working across finance, operations, and technology teams
Fluent in English
A self-driven, proactive mindset with ability to thrive in a fast-paced environment

Why Join Us?

Work on high-impact payments infrastructure across multiple markets
Be part of a dynamic, fast-growing environment
Drive real transformation and automation initiatives
Collaborate with cross-functional and international teams
Take ownership and shape processes end-to-end

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Über das Unternehmen

Avarda Group

About Avarda Group Avarda Group helps customers across Europe manage their personal finances. We have been listed on Nasdaq Stockholm since 2016. Born in a small Swedish town, we combine a pragmatic and disciplined business mindset, with cutting edge technology and innovation, always with a strong f...