Mission As a Customer Journey Expert – Merchant Acquiring, you will help shape and improve ING’s acquiring products and customer journeys across POS, SoftPOS and E-commerce solutions. You will work closely with Business Banking and Wholesale Banking stakeholders to deliver seamless, customer-centric and scalable payment acceptance experiences for merchants. You will act as the bridge between customers, business stakeholders and technology teams, ensuring that acquiring solutions deliver value while meeting operational, regulatory and risk requirements. About the Team You will join a collaborative and forward-thinking team focused on building best-in-class payment solutions for merchants. We work closely with colleagues across Business Banking, Wholesale Banking, Tech, Operations, Risk and Compliance to deliver impactful outcomes. Our team values curiosity, ownership, and continuous improvement. We believe that great customer experiences are built through a shared passion for innovation. Together, we strive to simplify complex processes, embrace new technologies, and support merchants in an evolving payments landscape. Your day-to-day Analyze merchant needs, customer feedback, market trends and competitor offerings to identify opportunities for improvement. Design and continuously optimize customer journeys across Merchant Acquiring products. Translate business and customer requirements into clear functional requirements, user stories and acceptance criteria. Work closely with engineers, architects, UX specialists and operations teams to deliver solutions that improve customer experience and business outcomes. Support the delivery of POS, SoftPOS and E-commerce acquiring initiatives from concept to implementation. Collaborate with Business Banking and Wholesale Banking teams to understand customer needs and support commercial growth objectives. Monitor customer journey performance and identify opportunities for automation, simplification and digitization. Ensure alignment with regulatory requirements, card scheme rules and internal risk policies. Coordinate with external partners, payment processors and vendors when required. Support testing, implementation and post-launch monitoring of new capabilities and improvements. Drive continuous improvement through data-driven analysis and customer insights. What you bring to the team Minimum 5 years of experience in cards acquiring. The future Product Manager will develop and implement initiatives that increase the penetration of POS, SoftPOS, and E-commerce acquiring solutions among all Business Banking clients. Strong expertise in: POS acquiring, SoftPOS solutions, E-commerce acquiring, Merchant onboarding and servicing processes, Card payment ecosystems and transaction flows. Experience with Visa and Mastercard products and scheme requirements or experience working on acquiring products within a bank, payment institution, processor, fintech or payment service provider. Good understanding of regulatory, risk and operational aspects of card payments. Experience with card issuing products and processes, alternative payment methods such as digital wallets, QR payments, and instant payments, or exposure to API-based and digital product development would be plus. Passion for payments, innovation and customer experience. Strong analytical and problem-solving skills, with the ability to translate customer and business needs into practical solutions. A strong sense of ownership and the ability to proactively drive initiatives from concept to completion. Excellent communication skills, with the ability to engage and influence both business and technical audiences. Proven ability to manage multiple stakeholders and effectively balance competing priorities. A collaborative mindset and the ability to thrive in a dynamic, fast-paced environment. English proficiency. What we offer Impactful work in a fun and collaborative environment. Open-concept offices designed for both team work and relaxation. Corporate events and social gatherings. Hybrid way of working with flexible working schedule and short week options. Monthly budget on Benefit platform. Extra annual leave days depending on the total length of working experience. Growth opportunities through upskilling/ reskilling programs and a variety of learning and development platforms: ING Learning Centre, Udemy, Bookster, as well as through trainings and certifications. Possibility to access Internal roles, International Short-Term Assignments or Long-Term Assignments. Context to make an impact through Sustainability and Corporate Social Responsibility projects. Job Application Safety Reminder We’re seeing an increase in fraudulent job offers. To protect yourself, please: Apply only via official ING platforms. ING uses Workday as its recruitment system. Verify the sender’s email — it should only come from @ing.com or @myworkday.com. Know that ING will never request payments or banking details during the recruitment process. How to Apply Click “Apply” on our careers site and submit your application through Workday. We’re excited to meet you! Discover ING Bank Romania ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large. To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more than 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses. ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 2 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking. Join us! We’re a global bank with a strong European base, and our more than 60,000 colleagues serve around 38 million customers and corporate clients in over 40 countries. Joining ING means working with friendly and collaborative people towards making a positive impact on people and planet. We believe in empowering the people around us and our customers to stay a step ahead. Working here means having the autonomy to drive progress, helping to create superior customer value and contributing to our ambition of putting sustainability at the heart of everything we do. Here, we’re more than just a workplace – we’re a community of innovators, problem-solvers, and forward-thinkers, dedicated to making a real impact. Whether you’re just starting your career or seeking the next big challenge, we have opportunities that will inspire and push you to grow. Your future at ING starts with one application. Ready to join? We’ve got plenty of opportunities to match your skills and aspirations! Use the filters below the search bar – like location and job type – to help you find the perfect fit. Start exploring now and discover where your next career move could take you!