Product Owner - Acquiring

Colibrix One develops cutting-edge IT solutions for Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanking platforms across the European Union and the UK. Our mission is to create secure, scalable, and high-performance payment technologies that fuel financial innovation and empower businesses in the digital economy.

• Experience in product management within fintech, payments, or 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
• Expertise in chargebacks in subscription environments
• Solid knowledge of Visa/Mastercard thresholds and recurring payment rules
• Familiarity with 3DS, tokenization, KYC/KYB, AML
• 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
• Fluent English; Russian is an asset
• Ownership mindset and ability to operate independently
• Experience with card processor integrations is a plus

Own the Acquiring Product:

• Define and drive the product roadmap for acquiring
• Own the full product lifecycle from discovery to 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