Capital.com is a global fintech building trading and investment products used by millions of clients across multiple regulated markets. Our platform sits at the intersection of complex financial infrastructure and intuitive user experience - and the technology powering it is what sets us apart.
As we scale, we're strengthening the product teams behind our core financial operations and are looking for a
Product Owner - Payments Operations Platform to lead one of the most critical internal domains.
This role focuses on building and evolving the
agent-facing payments back office - the tools, workflows, and systems used by Operations, Risk, and Compliance teams to manage deposits, withdrawals, verification, and transaction oversight. You will define the vision, roadmap, and execution strategy for this platform, working closely with Engineering, Design, Data, Payments Core, and Compliance stakeholders to deliver scalable, reliable, and efficient operational tooling.
Your mission:
-
Improve the efficiency, control, and scalability of payments operations by:
- Reducing manual effort through automation and better tooling: Bank deposit automation is already at 62%, the next milestone is 95%+. You'll define the roadmap to get there across all payment workflows
- Increasing speed and accuracy of operational decisions
- Strengthening controls across deposits, withdrawals, and verification flows
- Providing clear visibility into transactions and payment states
Your responsibilities:
- Own product vision, strategy, and execution for the Payments Operations Platform
- Lead development of agent-facing tools across key domains:
- Bank Deposit Review & Automation (queues, rules engine, validations)
- Payment Method Verification (integration orchestration with providers like Sumsub / KYCAID)
- Withdrawal Processing (manual review, approvals, escalations)
- Transaction lifecycle management & visualisation (unified operational view and control)
- Internal stakeholders will bring you a constant stream of requests. Your job is to filter what they want from what they actually need, and build the backlog around the platform's long-term direction
Bulk Payment Operations (batch processing tools):
- Drive continuous improvements in payment UI and operational workflows on a quarterly basis. Own the automation rate across all payment workflows, set the quarterly target, measure it, and close the gap
- Optimize key metrics such as processing time, error rates, automation rate, and operational load
- Decide what gets built and what doesn't: translate stakeholder requests into a backlog that reflects platform strategy, not just the loudest asks
- Work closely with Payments Core teams while maintaining clear ownership boundaries (operations tooling vs processing layer)
- Manage integrations and external interfaces across payments operations domains
- Align stakeholders across Operations, Risk, Compliance, and Engineering
Scope clarification:
back-office tooling and operational workflows, not on:
PSP integrations or payment processing pipelines
Client-facing payment UX (e.g. deposit forms)
As new regulated markets come online, this platform's scope is expected to expand. The person in this role will have the opportunity to define what that looks like.
We're looking for:
- 3+ years of experience as a Product Owner / Product Manager in fintech, payments, or a regulated environment
- Data fluency: you build your own views, read operational dashboards without hand-holding, and make prioritisation decisions based on numbers rather than stakeholder pressure.
- Strong understanding of payments operations, including deposits, withdrawals, and reconciliation workflows
- Experience building or improving internal tools / operational platforms
- Familiarity with verification flows (KYC/KYB), payment methods, and transaction lifecycles
- Familiarity with REST APIs and backend data flows sufficient to hold design conversations with engineering teams
- Strong analytical mindset with a focus on operational efficiency and automation
- Proven ability to manage stakeholders across Operations, Risk, Compliance, and Engineering
- Comfortable owning a single-threaded team and driving delivery end-to-end
Nice to have:
- Experience with rule engines, automation systems, or decisioning frameworks
- Exposure to providers like Sumsub, KYCAID, or similar verification tools
- Understanding of IBAN validation, name matching, and payment risk controls
Why this role matters
- Payments operations is where customer experience, risk control, and business efficiency intersect. This role sits at the heart of that system - turning complex, manual processes into scalable, reliable products.
