Reports to: Chief Executive Officer · Member of the Executive Committee · Location: Madrid, Spain.

About ENP

European Network for Payments is a pan-European company created by five leading European payment solutions: Bancomat, Bizum, EPI/Wero, SIBS-MB WAY and Vipps MobilePay. Together they serve over 160 million users.

ENP builds and govern a central bridge that makes European account-to-account payment solutions interoperable, so users can pay abroad as easily as at home across P2P, e-commerce and in-store payments. The company also aims to provide a scalable framework for the onboarding of additional European payment solutions over time, further extending interoperability and reach across Europe. The bridge owns the interoperability framework, the vendor relationship, the certification approach, the common rules and the operating mechanisms needed to coordinate the solutions internationally.

ENP is supported by the banking industry and by European regulators in its mission to strengthen Europe's strategic autonomy in payments.

The Role The Chief Product Officer (CPO) is accountable for turning ENP's vision into a working, scalable and trusted pan-European platform. The CPO owns the product strategy, the roadmap and the delivery of the bridge, steers the vendors who build it, and shapes how the platform grows over time through new features, new use cases and new members.

This is a rare opportunity to define critical European payment infrastructure from the ground up, working with five founding solutions, their banking shareholders and European institutions.

Key Responsibilities

- Platform build and delivery

- Own the end-to-end build of the interoperability platform, from architecture principles and functional scope to launch and steady-state operation.
- Ensure the platform delivers a seamless user experience across P2P, e-commerce and in-store payments, while leaving domestic payment flows untouched.




- Define and uphold product quality standards for security, resilience, performance, scalability and regulatory compliance.
- Run clear governance for delivery: milestones, dependencies, risks, go/no-go decisions and escalation.

2. Vendor strategy and management
- Own the relationship with the vendors selected to build and run the bridge, including scoping, contracting inputs, performance management and commercial steering.
- Hold vendors accountable on delivery, quality, service levels and cost, and manage integration across multiple suppliers.

3. Prioritization and roadmap
- Define and communicate a multi-year product roadmap with clear release milestones and outcomes.
- Build a transparent prioritization framework that balances the needs of the five founding schemes, regulatory expectations, user value and technical feasibility.
- Arbitrate competing demands from stakeholders and secure alignment at executive and shareholder level.
- Translate common rules, certification requirements and operating mechanisms into clear product requirements and release plans.

4. Vision and platform expansion
- Set the long-term vision for the platform: new features, new payment use cases and new geographies.
- Design the product and technical onboarding model for new members, including the certification approach, integration standards and commercial and governance prerequisites.
- Identify strategic opportunities, such as new payment flows, value-added services and alignment with European initiatives and standards.

5. Stakeholder engagement and leadership




- Act as the senior product voice of ENP with the founding schemes, shareholders, banks, merchants, regulators and industry bodies.
- Foster a culture of clarity, ownership and cross-border collaboration across diverse organisations and cultures.
- Contribute to ENP's executive team on strategy, budget, hiring and risk management.

Profile

Experience and background

- Significant senior experience (typically 12+ years) in product leadership within payments, fintech, banking or financial market infrastructure.
- Proven track record delivering large-scale, multi-party or platform products, ideally involving interoperability, networks or schemes.
- Demonstrated experience managing complex vendor ecosystems and large technology programmes.
- Strong knowledge of the European payments landscape: instant payments, account-to-account, wallets, card and scheme models, and relevant regulation (e.g. PSD2/PSD3, SEPA, instant payments regulation, DORA).
- Experience managing a roadmap and prioritising among powerful and sometimes competing stakeholders.
- Experience leading and scaling teams, including across countries.

Skills and attributes
- Strategic thinker who can also dive into operational detail and deliver.
- Excellent influence and consensus-building skills at C-level and board level.
- Strong business acumen (business cases and budget ownership).
- Credible with technical teams and comfortable with architecture, APIs, security and resilience topics.
- Clear, compelling communicator in English; additional European languages are an asset.
- Deep commitment to ENP's mission of European payment sovereignty and interoperability.

Why Join ENP

- Help build strategic European payment infrastructure serving more than 130 million users.
- Work at the intersection of industry, banking and European regulators.
- Shape a new organisation, its product and its culture from the start.

📌 Chief Product Officer (Madrid)
🏢 European Network for Payments
📍 Madrid