Product Owner (Merchant ID)

We are seeking a highly skilled and experienced professional to lead the Merchant ID and Profile Management function within Bir ecosystem. Merchant ID as a unique identifier for businesses within the Bir ecosystem for transaction accounting, anti-fraud, connection to merchant's personal accounts in the bank and marketplace for simplified payments, analytics and access to services, KYC/AML procedures, etc. This role will be responsible for designing, implementing, and managing a unified merchant identity framework that ensures seamless onboarding, compliance, and integration across all platforms (e-commerce, banking, payments, loyalty, etc.). The ideal candidate will have a strong background in identity management, regulatory compliance, and ecosystem integration, with a focus on delivering frictionless experience for merchants while ensuring security and compliance.

• Bachelor’s or Master’s degree in Business, Computer Science, Information Systems, or a related field.
• 5+ years of experience in identity management, compliance, or ecosystem integration, preferably within a financial services, e-commerce, or technology environment;
• Experience in launching platform products or internal B2B services;
• Proven track record of designing and implementing large-scale identity and profile management systems;
• Experience working with KYC, AML, and other regulatory frameworks;
• Understanding of federated identity systems, identity linking, token lifecycle, and authentication protocols (OAuth2, OpenID Connect, SAML), API;
• Familiarity with global and local data protection laws (e.g., GDPR, PDPL) and their impact on identity systems;
• Experience with the same merchant-related products within Sber, Tinkoff, Amazon, PayPal, Stripe, Square, Kakao, WeChat, or Grab ecosystem is a significant advantage;
• Understanding of federated ID architectures, identity resolution, and token-based authentication flows.
• Strong understanding of API integration, data management, and security protocols;
• Excellent knowledge of regulatory requirements related to merchant onboarding and identity management;
• Strong analytical and problem-solving skills, with the ability to use data to drive decisions;
• Exceptional communication and stakeholder management skills;
• Proficiency in Azerbaijani, Russian, and English (both written and spoken).
• Experience working in a decentralized ecosystem or with super app platforms.
• Experience in fintech, B2B SaaS, or identity/authorization products
• Interest in Open Banking, PSD2, or digital signature solutions

• Customer-Centric Approach: We prioritize understanding our customers' needs, habits, and expectations.
• Multicultural Environment: We value diverse perspectives and encourage inclusivity, openness, and collaboration.
• Competitive Compensation: We offer a competitive salary, health insurance, and an annual performance bonus.
• Growth & Development: We invest in employee growth through clear career paths, personal development plans, and access to online courses and training programs.
• Modern Workplace: Enjoy a comfortable and dynamic office environment

• Develop and execute a unified merchant identity strategy for the ecosystem, ensuring a seamless experience across all platforms (e-commerce, banking, payments, loyalty etc.).
• Define the roadmap for merchant identity and profile management, aligning with the ecosystem's broader goals.
• Oversee the design and implementation of a scalable and secure merchant onboarding process.
• Ensure compliance with KYC, AML, and other regulatory requirements.
• Streamline onboarding workflows to reduce friction and improve merchant satisfaction.
• Build and maintain a centralized merchant profile system that integrates data from multiple platforms (e.g., e-commerce, banking, payments, loyalty).
• Ensure that merchant profiles are accurate, up-to-date, and accessible across the ecosystem.
• Implement Single Sign-On (SSO) and unified authentication mechanisms (e.g., Stripe Merchant ID, SberID) for merchants.
• Ensure that all merchant identity and profile management processes comply with local and international regulations (e.g., GDPR, etc).
• Collaborate with legal and compliance teams to address regulatory requirements and mitigate risks.
• Implement robust security measures to protect merchant data and prevent fraud.
• Work closely with product teams across the ecosystem (e.g., Birbank, Bir Market, Bir Pay, Bir Bonus) to ensure seamless integration of merchant identity and profile systems.
• Develop APIs and integration tools to enable third-party platforms to connect with the ecosystem's identity management system.
• Oversee the collection, storage, and analysis of merchant data to drive insights and improve decision-making.
• Implement tools for real-time monitoring and reporting of merchant activities across the ecosystem.
• Use data to identify and address issues such as duplicate accounts, fraud, or compliance violations.
• Collaborate with internal stakeholders (e.g., product, engineering, legal, compliance) and external partners (e.g., regulators, third-party platforms) to deliver a cohesive merchant identity solution.
• Act as the primary point of contact for all merchant identity and profile-related matters.
• Stay updated on industry trends and best practices in identity management, compliance, and ecosystem integration.
• Drive innovation by exploring new technologies (e.g., blockchain, AI) to enhance merchant identity and profile management.

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