3091 - Product Owner – – Payments and Healthcare

What you will own

• Market research on the telehealth payments landscape — competitors, processor offerings, sponsor bank appetite, card brand posture, and where the underserved gaps are
• User interviews with telehealth merchants, prospective merchants, underwriting analysts, risk officers, and sales — and the synthesis that turns those conversations into product direction
• Necessities assessment and prioritization — translating discovery into a written roadmap with clear bets, trade-offs, and success metrics
• Requirements and user stories for the engineering team — onboarding flows, underwriting automation, risk decisioning, compliance review, and reporting
• Product specs for AI/LLM-driven automation in website review, document review, and underwriting triage
• Partnership with compliance on requirements driven by Visa, Mastercard, and sponsor bank rules for telehealth and high-risk verticals

Required experience

• 7+ years in product management or product ownership, with deep time in payments processing or merchant acquiring (ISO, payfac, processor, gateway, or sponsor bank)
• Direct experience in the telemedicine vertical — DTC telehealth, compounded medications, GLP-1s, hormone therapy, mental health, peptides — and the unique payments, regulatory, and chargeback dynamics these merchants face
• High-risk merchant underwriting fluency — MATCH/TMF, chargeback thresholds, reserves, MCC restrictions, prohibited verticals, and the underwriting documentation cycle
• Demonstrated discovery chops — you've run structured user interview programs, market research, and competitive analysis, and you can show artifacts (interview guides, synthesis docs, opportunity assessments) from prior roles
• Strong needs-assessment instincts — you can sit with a vague problem (“our telehealth onboarding is slow”), do the discovery, and come back with a written recommendation on what's worth building and what isn't
• Comfortable writing crisp specs and user stories; experience running Agile/Scrum ceremonies

Technical skills & tooling

• JIRA — fluent in backlog management, sprint planning, epic/story hierarchy, custom workflows, and JQL for reporting
• Confluence (or Notion) — comfortable building and maintaining product documentation, PRDs, and decision logs
• Figma — able to read, comment on, and collaborate inside design files; can sketch low-fi wireframes to communicate intent (you don't need to be a designer, but you shouldn't need one to express an idea)
• Miro / FigJam / Lucidchart — for journey mapping, workflow diagrams, and discovery synthesis
• SQL fluency — can write your own queries to validate assumptions, pull cohort data, and check whether features are actually being used; not dependent on analysts for basic answers
• AI-native workflow — actively using LLMs (Claude, ChatGPT, etc.) in your day-to-day product work — drafting specs, synthesizing interview notes, competitive scans, summarizing call transcripts
• API literacy — can read API docs, understand REST/webhook patterns, and write requirements that engineers don't have to translate
• User research tools — familiarity with Dovetail, Grain, Otter, or similar for interview capture and synthesis is a plus
• Roadmapping — Productboard, Aha!, or equivalent

Strongly preferred

• Familiarity with TSYS, First Data/Fiserv, or similar processor back-ends
• Experience with internal CRM and onboarding systems (Salesforce or custom platforms)
• Exposure to AI/LLM-driven automation in underwriting or compliance review
• Working knowledge of card brand integrity programs (Visa VIRP/VAMP/VDMP, Mastercard BRAM/ECP)
• Understanding of the telehealth regulatory landscape (FDA, FTC, state medical boards, Ryan Haight Act, DEA scheduling, compounding rules)
• Prior fractional or advisory work — you know how to be effective on limited hours

Rate Info

Targeting between $70-$90/hr based on W2 or 1099/C2C. Rates are negotiable.