Join COLIBRIX ONE - Innovating the Future of Payments

At COLIBRIX ONE*, we're building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK. As a fully licensed Electronic Money Institution (FCA Reference No. 927920) and holder of a Financial Institution Licence issued by the MFSA, as well as a principal member of both VISA and Mastercard, we provide comprehensive, real-world financial solutions that include:

• Global card processing
• Digital wallet infrastructure
• Cross-border merchant accounts
• Alternative payment methods (APMs)
• Corporate accounts for legal entities

We're a fast-growing team with a passion for innovation, security, and scalability. Our culture values curiosity, collaboration, and impact - and we're looking for talented professionals who are ready to shape the future of fintech.

At COLIBRIX ONE, your work directly powers the digital economy. If you're eager to solve meaningful challenges and build with purpose, we'd love to hear from you.

About the Role
We are looking for a Product Owner to lead and develop our Acquiring product at COLIBRIX ONE - a fully licensed EMI (FCA & MFSA), principal member of Visa and Mastercard, building AI-powered payment infrastructure for PSPs, EMIs, and neobanks across the EU and UK.
This is not a generic acquiring role. We're looking for someone who understands the mechanics of subscription and recurring payment models - including billing logic, payment recovery, and chargeback management - and who can think at scale: across merchant portfolios, payment ecosystems, and product strategy.

Responsibilities
Own the Acquiring Product

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

What We're Looking For
Must-Have

• Experience in product management within fintech / payments / 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

Risk & Compliance Knowledge

• Expertise in chargebacks in subscription environments
• Solid knowledge of Visa / Mastercard thresholds and recurring payment rules
• Familiarity with 3DS, tokenization, KYC/KYB, AML

Product & Commercial Skills

• 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

Additional

• Fluent English; Russian is an asset
• Ownership mindset and ability to operate independently
• Experience with card processor integrations is a plus

What We Offer:

• Opportunity to shape the future of fintech solutions within a growing company
• Collaborative, horizontal team structure that values your expertise and ideas
• Continuous learning and development opportunities to enhance your skills and career growth
• Competitive salary and benefits package
• Flexible work arrangements to support work-life balance

* Please note that this position is offered within the COLIBRIX ONE. Employment will be under the appropriate legal entity based on the role and location.