Payments Product Expert

Job Description

The Payments Product Expert, positioned as Customer Journey Expert (CJE) within the Agile organization, supports the Retail Daily Banking business to drive operational excellence within current account payments,

The CJE has the end-to-end responsibility for the development, management, harmonization and phasing out of commercial products, services, channel formulas and processes within one or more segments to ensure that customers’ payment needs (both Sepa, Target2, Swift and local payments) find ready satisfaction in terms of digitalization and customer experience.

The CJE helps the product owner to prioritize the backlog activity, to manage internal and external stakeholders, solves impediments, and works with the squad members in their day-to-day activities in payments landscape 

The position requires excellent lead and communication skills, problem solving and data driven approach, an orientation to detail and process, ability to work and maintain composure under tight deadlines, advanced expertise in digital onboarding, end to end payment processes (both technical and operational view) as well as knowledge about usability/user experience principles and best practices.

This position also demands ability to work collaboratively in multi-functional teams and cross-teams.

Key Responsibilities

• To deliver specific activities to plan, develop, maintain, and monitor our payment products in order to achieve income and volumes targets
• To manage end-to-end payments processes, promoting the digitization of the services
• To design and develop the payments product offering working closely with the Pricing team
• To continually assess the performance of the current products range, the regulatory landscape and external market trends and competitor developments to ensure the customer proposition as effective as possible
• To prepare sustainable recommendations across the products including innovations, improvements and changes
• To support the end-to-end process by engaging with the data and insights gathered about customers and process, to make suggestions as how changes to process or product could improve performance and better meet customer needs
• To develop effective and collaborative working relationships with all stakeholders and colleagues
• To represent the bank for the products at Group level and outside the bank 

Qualifications and Skills

• Master’s degree
• 2 to 5 years of previous experience in banking or financial services. Payments, operations or technical units would be a strong plus
• good knowledge of SEPA regulation (SDD, SCT, SCTInst), ACH, SWIFT, Target2 and other bank payment processing 
• Proven background in building and managing high performance teams
• Exceptional knowledge of current account payment processes and products strategy experience and analytics
• Extremely customer-focused, continuously in touch with the network, to stay informed of market and industry developments
• Strong problem solver and ability to make effective decisions
• Ability to analyze and interpret data, using insights to further build direction
• Strong communication and presentation skills
• Leadership and influencing skills
• Ability to negotiate with all levels of management influencing investment and prioritization
• Excellent level of English
• Experience in working as part of a cross functional leadership team
• Ability to work on an international level

Location: Milan

Duration: Permanent

About ING

ING offers many opportunities to build a diverse and rewarding career. You will be joining an international innovative digital bank, the first in Italy to adopt a fully flexible smart working model, and you will be working in a stimulating environment where you can grow both as an individual and as a professional.

Our purpose - empowering people to stay a step ahead in life and in business - represents our belief in people’s potential. We don’t judge, coach or to tell people how to live their lives. We empower people and businesses to realize their own vision for a better future.

#doyourthing is our brand direction with us each and every day. It is how we articulate our purpose and our promise to make banking frictionless to the world. ‘do your thing’ is about people being free to live the life they want to live, knowing that they will make their world a little better for it.

Do you think you are "a step ahead"? Apply now!

The benefits of joining ING

In addition to being a part of a great team, working in a fun and innovative environment, we offer:

• Super flexible smart working
• Competitive base salaries and performance based bonuses
• Diverse cultures & Innovative mindsets
• International Environment
• Commitment to sustainability
• Lots of training development opportunities to help you grow
• Lots of moments dedicated to physical and mental well-being
• A special day off when it is your birthday: we call it #doyourbirthday!
• And of course we can’t forget: free water & coffee at the office!

Our Commitment

Diversity is a fundamental element of our corporate culture, and we are fully committed to creating a safe and inclusive environment, based on mutual respect and the value of diversity, offering equal job opportunities to all qualified candidates.