Loading...
Ratomir Jovanovic · Dubai
Product leader for payments and fintech infrastructure.
I lead product for payment flows, APIs and AI features in regulated markets, and I still build. 18 years in SaaS, fintech and payments. Former Head of Product at Webio (acquired by Aryza in 2025), CPO at Payshen.
Open to Head of Product, Director of Product and CPO roles in payments and fintech infrastructure, across the UAE, the EU, the USA, Canada and Switzerland, or remote.
Webio
Head of Product, 02/2023 - 05/2025. Conversational AI for collections and payments, used by Tier 1 enterprises. Acquired by Aryza in 2025.
Aryza announcement
Payshen
Chief Product Officer. Payment orchestration: one API for many providers, routing to the provider most likely to approve. SDKs on npm, PyPI, Packagist and WordPress.org.
payshen.com
Open source
An HMAC validation issue I reported was fixed across Adyen’s Node, Java and .NET libraries. Fixes and reviews merged at Twilio, Svix and Standard Webhooks.
All contributions
Security
ISO/IEC 27001:2022 Lead Auditor (CQI/IRCA). Found and defensively registered wpad.rs in 2024.
Press
Scope
What I own.
Built for audits and enterprise procurement from the first sprint.
Payments as a product
Approval rates, routing, retries, fees and reconciliation, owned with metrics and a roadmap instead of tickets.
APIs and developer platforms
API design, SDKs, webhooks and docs that match the code. I ship SDKs myself and review payment code in public.
AI in regulated workflows
Conversational AI, LLM evaluation, guardrails and audit trails that a bank’s security team can approve.
Work
Selected work.
Head of Product · 02/2023 - 05/2025
Webio
Conversational AI for collections and payments, through the acquisition by Aryza.
Read the case study
Chief Product Officer · 11/2025 - Present
Payshen
Payment orchestration: one API for many providers, with a recorded reason for every routing decision.
Read the case study
Chief Product Officer · 09/2016 - 11/2018
Writing
Writing.
All essaysAI made building cheap. Knowing what is worth building is now the job.
Payments Are a Product, Not a Plumbing Decision
Approval rates, retries, failure messages, fees and reconciliation shape revenue and customer trust directly. That makes payments a product area with an owner, metrics and a roadmap.
How to Evaluate an LLM Feature Before You Ship It
Most LLM features that disappoint in production were judged badly, not built badly. A practical evaluation process for product leaders: job definition, golden sets, failure taxonomy, budgets and a ship/no-ship rule.