Product Manager -US -Berkeley Heights, NJ, or Alpharetta, GA

Oracle is seeking an experienced Product Manager to help build a unified payments platform that integrates various payment capabilities. The role involves translating complex payment flows into clear product requirements and collaborating closely with engineering teams to ensure high-quality product delivery.

Responsibilities:

• Create clear, comprehensive Product Requirement Documents (PRDs) and functional specifications
• Document end-to-end payment flows including pay-ins, payouts, settlement, routing, reconciliation, and merchant lifecycle scenarios
• Maintain precise user stories, acceptance criteria, and business rules in partnership with cross-functional teams
• Serve as the primary liaison between product, engineering, and QA teams
• Work with technical leads to convert business needs into scalable system designs and API specifications
• Collaborate with UI/UX, API, and data teams to ensure technical alignment with product vision
• Develop detailed process maps, system interaction diagrams, and transaction journeys using Visio, Miro, or Lucidchart
• Ensure accuracy of payment orchestration flows across authorization, capture, disbursements, and funding events
• Support design of multi-rail routing and money movement architecture for platform use cases
• Support backlog management, sprint planning, and prioritization of features and enhancements
• Participate in QA review, UAT validation, and release readiness
• Track delivery milestones and ensure on-time, high-quality product launches
• Finalize end-to-end documentation of business requirements, flows, high and low level designs, and build phases
• Manage detailed execution plans and sprint-level deliverables
• Continue to refine requirements and definitions throughout development and pivot as needed for market needs
• Align implementations, billing, risk and compliance practices, servicing, and support for the solution
• Provide input for prioritization decisions balancing scope, timeline, and quality

Requirements:

• 10+ years (Payments, Merchant Acquiring, Money Movement, or Financial Services preferred)
• Strong understanding of the end-to-end money movement lifecycle, including acceptance, disbursement, settlement, routing, reconciliation, and underlying platform APIs
• Ability to create clear, comprehensive Product Requirement Documents (PRDs) and functional specifications
• Document end-to-end payment flows including pay-ins, payouts, settlement, routing, reconciliation, and merchant lifecycle scenarios
• Maintain precise user stories, acceptance criteria, and business rules in partnership with cross-functional teams
• Serve as the primary liaison between product, engineering, and QA teams
• Work with technical leads to convert business needs into scalable system designs and API specifications
• Collaborate with UI/UX, API, and data teams to ensure technical alignment with product vision
• Develop detailed process maps, system interaction diagrams, and transaction journeys using Visio, Miro, or Lucidchart
• Ensure accuracy of payment orchestration flows across authorization, capture, disbursements, and funding events
• Support design of multi-rail routing and money movement architecture for platform use cases
• Support backlog management, sprint planning, and prioritization of features and enhancements
• Participate in QA review, UAT validation, and release readiness
• Track delivery milestones and ensure on-time, high-quality product launches
• Finalize end-to-end documentation of business requirements, flows, high and low level designs, and build phases
• Manage detailed execution plans and sprint-level deliverables
• Continue to refine requirements and definitions throughout development and pivot as needed for market needs
• Align implementations, billing, risk and compliance practices, servicing, and support for the solution
• Provide input for prioritization decisions balancing scope, timeline, and quality
• Deep experience documenting payment flows and business processes with clarity and precision
• Strong analytical and problem-solving skills, with ability to break down complex payment journeys
• Proven success working with engineering teams in an Agile environment
• Hands-on expertise with JIRA, Confluence, Lucid chart, Miro, or similar tools
• Excellent stakeholder management, communication, and cross-team alignment skills
• Strong attention to detail and ability to create structured, logical artifacts
• Leverage AI tools and technologies in day-to-day workflows to improve efficiency, decision-making, and operational outcomes
• Identify and conceptualize AI-driven use cases within the product portfolio to enhance client experience and strengthen the overall value proposition
• Collaborate with cross-functional teams to integrate AI capabilities into product design, ensuring alignment with business objectives and regulatory standards
• Translate business challenges into AI opportunities, creating actionable strategies for implementation and measurable impact
• 10+ years of experience in product management within payments, pay-ins, payouts, merchant acquiring, money movement, or financial services
• Experience with platform or marketplace payment flows, payment acceptance, payout orchestration, and merchant lifecycle events
• Familiarity with APIs, microservices, and modern digital banking or payment processing systems
• Understanding of settlement, reconciliation, chargebacks, funding, and transaction lifecycle management
• Bachelor's degree in business, Information Systems, Computer Science, or a related field
• Certifications in Agile, Scrum, or Business Analysis (e.g., CSPO, CBAP) are a plus