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Lead product development for a unified payments platform covering pay-ins, payouts, merchant acquiring, settlement, routing, and reconciliation. Produce PRDs, process maps, API specs, and user stories. Collaborate with engineering, QA, UX, and data teams; manage backlog, sprints, QA/UAT, and releases. Design payment orchestration, multi-rail routing, and operationalize billing, risk, and support. Identify and integrate AI-driven product opportunities.