Product Owner

Our Mission and who we are ‘To be the world’s most trusted currency partner’ At Lumon, we help individuals and businesses move money across borders - smoothly, securely, and cost-effectively. With operations in 150+ countries and support for over 40 currencies, we combine competitive, bank-beating exchange rates with a personal, human touch. Whether it’s buying property abroad, managing international business costs, or sending money home, every customer gets access to a dedicated currency specialist - alongside our digital FX platform - for expert support tailored to their needs. We’re regulated by the FCA and the Central Bank of Ireland, handling billions in transfers each year for over 70,000 private clients and 2,500+ businesses. Backed by Pollen Street Capital, we’re in an exciting phase of growth - scaling across Europe and expanding our tech and services. The Product team The Product team shapes the experiences that power Lumon. We turn complex problems into simple, scalable solutions - working closely with sales & dealing, operations and the engineering team to build features our customers love. Role purpose: This is a high-impact role owning a core payments product area. You will shape how customers initiate, route, convert, settle and track payments across borders. Operating in a fast-paced environment, you will combine strategic thinking with hands-on delivery to build modern, scalable and resilient payment solutions that differentiate us in the market. What you’ll be doing day-to-day Own the End-to-End Payments Lifecycle Lead product strategy across initiation, validation, FX execution, routing, settlement, reconciliation and reporting. Drive innovation in: Real-time and instant payment rails Open Banking/ Pay-by-Bank Embedded and API-driven payments Multi-currency wallets and virtual IBANs Smart routing and payment orchestration Deliver Exceptional Payment Experiences Act as the voice of the customer across Personal and Business divisions Optimise customer experience in areas such as beneficiary management, bulk payments, approvals and tracking Simplify complex cross-border and FX journeys into intuitive digital experiences Build Secure & Scalable Solutions Partner closely with Engineering to deliver robust, API-first infrastructure Own and prioritise a value-driven backlog focused on STP, success rates, cost, speed and reliability Support testing and validation to ensure accuracy, compliance and performance Drive Alignment & Momentum Engage stakeholders across Compliance, Risk, Treasury, Operations and Commercial Communicate progress, risks and trade-offs clearly and proactively Stay ahead of market trends, evolving payment rails and regulatory change What we are looking for: Minimum 3+ years Product or Business Analyst experience specifically within Payments at an FX provider, Bank, Fintech or equivalent regulated financial institution (essential) Strong hands-on understanding of cross-border and domestic payment flow (SWIFT, SEPA, Faster Payments, ACH and local rails) Experience with digital onboarding (KYB/KYC), payment gateways, orchestration or multi-currency infrastructure Exposure to API-led or embedded finance products Commercial mindset with strong customer focus Comfortable leading in fast-paced, scaling environments This is an opportunity to own a critical payments domain, influence platform strategy and deliver products that power global commerce at scale. The interview process Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! Up to 30 minute with our talent team (Call/video) 30 minute call with our hiring manager (Video) 1-hour onsite interview to meet the hiring manager/team Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process please reach out if you do have any specific questions. Please also let us know if there's any adjustments you need to make your application process easier for you.