Ingo Wachter - Senior Consultant & Sr. Product Manager

Q: Where is Ingo based?

Ingo is based in Nuremberg, Germany and can operate in on-site , hybrid , and remote work models.

Q: What languages does Ingo speak?

Ingo speaks the following languages: German (Native), English (Advanced) .

Q: How many years of experience does Ingo have?

Ingo has at least 14 years of experience. During this time, Ingo has worked in at least 9 different roles and for 9 different companies . The average length of individual experience is 2 years and 7 months . Note that Ingo may not have shared all experience and actually has more experience.

Q: What is Ingo's latest experience?

Ingo's most recent position is Business Analyst at Leading German Core Banking Provider and Processor .

Q: What companies has Ingo worked for in recent years?

In recent years, Ingo has worked for Leading German Core Banking Provider and Processor , Swedish Retail Finance Bank , Stock-listed Omnichannel Retailer , Financial Service Provider BNPL , and German Banks Umbrella Organization .

Q: Which industries is Ingo most experienced in?

Ingo is most experienced in industries like Banking and Finance and Retail .

Q: Which business areas is Ingo most experienced in?

Ingo is most experienced in business areas like Product Development , Project Management , and Strategy . Ingo also has some experience in Sales , Legal , and Operations .

Q: Which industries has Ingo worked in recently?

Ingo has recently worked in industries like Banking and Finance and Retail .

Q: Which business areas has Ingo worked in recently?

Ingo has recently worked in business areas like Project Management , Product Development , and Strategy .

Recommended expert

Nuremberg, Germany

Check rate

Experience

Sep 2024 - Dec 2024

4 months

Munich, Germany

Hybrid

Business Analyst

Leading German Core Banking Provider and Processor

Definition of features
Authorization Mastercard and Visa
Usage of ISO protocols and norms
Mastercard Fast Funds
Feature analysis Girocard 4.0
Scoping EPI

Feb 2024 - Dec 2025

1 year 11 months

Helsingborg, Sweden

Sr. Consultant and Interim PM

Swedish Retail Finance Bank

Defining card strategy and roadmap planning
Negotiating 3rd party providers such as Mastercard and processor
Leading card developer and platform team for card infrastructure
Stream lead card portfolio migration to core banking system, including booking logic
Operational setup for all Scandinavian countries
Customer journey mapping with UX team
Cross-functional and stakeholder alignment
Process mapping
Managing PSD2 and Open Banking internal and external partners
Scoping Wallet Express (Samsung Pay) and Click-2-Pay
Monthly invoice approvals external partners and providers

Jan 2024 - May 2024

5 months

Remote

Payment Solutions Consultant

Stock-listed Omnichannel Retailer

Buy Now Pay Later (BNPL) strategy Europe
Creation of roadmap
Tender / RFP initiation
Defining strategy for customer loyalty card
Development of short, medium and long-term strategy

Jun 2023 - May 2024

1 year

Berlin, Germany

Hybrid

Interim Sr. Product Manager

Financial Service Provider BNPL

Product strategy, product concept and implementation preparation
Project management and stakeholder management within the group
Collaboration with cross-functional teams (Legal & Compliance, UX/UI, Development, Marketing, Finance/Controlling)
C-level presentation and alignment
Development of unique selling propositions for BNPL with card payment
Development of unique selling points for debit, charge and installment cards
Preparing and running an RFP to issuing processors
A/B testing in collaboration with data analysts
Creation of new product process, including booking logic, business requirements documentation and development of SteerCos
Go-to-market preparation

Apr 2023 - Sep 2023

6 months

Hybrid

Strategy Consultant

German Banks Umbrella Organization

Detailed market analysis, market study and benchmarking in the acquiring and PSP environment in Germany
Strategic elaboration with operational recommendations for action
Presentation of the value chains of market-leading providers in the online acceptance segment
Consulting on mobile payment and business models
Workshops with participants from regional associations
Business case for the development and expansion of partnerships

Jan 2023 - Mar 2023

3 months

Essen, Germany

Hybrid

Apple Pay Implementation Consultant

German Private Bank

Structuring of the technical setup
Coordination and control of the multi-party project
Stakeholder management
Use of Confluence, Jira and Asana
Development of offer and contract structure, negotiation templates
Demonstration of technical solutions with HCE and MDES
Definition of the work packages
Creation of the (InApp) provisioning processes
Evaluation of the technical specifications
Creation of training documents in accordance with Mastercard and Apple guidelines for support staff

Aug 2017 - Dec 2022

5 years 5 months

Munich, Germany

Hybrid

Consultant Product and Strategy

FinTech Card Provider

Development of white-label card programs: economic, regulatory and technical
Development of internal processes using agile methods
Selection, tendering and presentation of the technical architecture (processor, BIN sponsor, core banking system)
Creation of project and work packages as well as recommendations for action
Establishment of product-market fit
Implementation of workshops
Successful business case and negotiation of a >10 million € CBA deal with Scheme
Scoping and initiation of own EMI license

Oct 2013 - Mar 2017

3 years 6 months

Frankfurt, Germany

On-site

Leader, Product Sales Mobile Payment and Value Added Services

Mastercard

Mobile and contactless payments, digital payments
Development and initiation of new business models
Pre-sales for all mobile payment technologies, e.g. HCE / MDES
Value-added services, e.g. InControl, Business Controller, ATM locator
Account management for all German mobile operators
Development and preparation of the mobile ecosystem
Collaboration with cross-functional teams and external vendors
Business case creation and modeling (5-year agreements)
Support Masterpass in business development and sales
Mastercard training courses: functionality in the 4-party model, authentication, clearing, settlement; solution selling

Feb 2010 - Jun 2012

2 years 5 months

Munich, Germany

Hybrid

Co-Founder PSP

Masterpayment

Founder, product, sales, regulatory affairs
Acceptance of credit cards, ELV and purchase on account with bank partner
Successful launch and market entry of Masterpayment
Setup and development of payment plugins for all sales channels
Establishment of sales partnerships with store software providers such as Oxid, PlentyMarkets, Shopware, Gambio, SmartStore
Responsible for more than 1,000 registered merchants within the first year since market launch

Consultant PCI Compliance

Retailer

Presentation of PCI compliance options and requirements
Analysis of the requirements
Implementation recommendations and selection of the auditor

Industry Experience

See where this freelancer has spent most of their professional time.

Experienced in Banking and Finance and Retail.

Banking and Finance

Retail

Business Area Experience

See which departments and functions this freelancer has contributed to most.

Experienced in Product Development, Project Management, Strategy, Sales, Legal, and Operations.

Product Development

Project Management

Strategy

Sales

Legal

Operations

Summary

More than 15 years of professional experience with a focus on card payments (issuing and acceptance)
Interim (Sr. Product) Manager setting up card programmes
Business development for payment products (payment service providers, payment methods)

Skills

E-Payment, Mobile Payment, Digital Ecosystems
Business Models, Gotomarket Strategy
Issuing Prepaid, Credit And Debit Cards
Partner Management
Various Roles: Director/Leader, Pm, Po, Management Consultant, Business Analyst

Languages

German

Native

English

Advanced

Education

Mar 2006 - Aug 2007

WHU – Otto Beisheim School of Management

Master of Business Administration · Business Administration · Germany

Sep 2000 - Sep 2005

Georg-Simon-Ohm Fachhochschule, University of Applied Sciences

Diploma in Business Administration (FH) · Nuremberg, Germany

Certifications & licenses

Introduction To Scrum Master Training

LearnQuest

Product Management Essentials

University of Maryland

FinTech: Foundations, Payments, and Regulations

Wharton - University of Pennsilvania

Statistics

Experience

Total positions 10

Experience in Banking and Finance 14 y

Avg length 1 y 6 m

Longest experience 5 y 4 m

Global Experience

Countries worked in 2 (Germany, Sweden)

Primary country Germany

Expertise

Recent roles Business Analyst, Sr. Consultant and Interim PM, Payment Solutions Consultant

Main industries Banking and Finance, Retail

Main business areas Product Development, Project Management, Strategy

Qualifications

Highest degree Master

Certifications earned 3

Profile

Created

April 2026

Last Update

June 2026

Need a freelancer? Find your match in seconds.

Try FRATCH GPT

Frequently asked questions

Have questions? Find more information here.

Ingo is based in Nuremberg, Germany and can operate in on-site, hybrid, and remote work models.

Ingo speaks the following languages: German (Native), English (Advanced).

Ingo has at least 14 years of experience. During this time, Ingo has worked in at least 9 different roles and for 9 different companies. The average length of individual experience is 2 years and 7 months. Note that Ingo may not have shared all experience and actually has more experience.

Based on recent experience, Ingo would be well-suited for roles such as: Business Analyst, Sr. Consultant and Interim PM, Payment Solutions Consultant.

Ingo's most recent position is Business Analyst at Leading German Core Banking Provider and Processor.

In recent years, Ingo has worked for Leading German Core Banking Provider and Processor, Swedish Retail Finance Bank, Stock-listed Omnichannel Retailer, Financial Service Provider BNPL, and German Banks Umbrella Organization.

Ingo is most experienced in industries like Banking and Finance and Retail.

Ingo is most experienced in business areas like Product Development, Project Management, and Strategy. Ingo also has some experience in Sales, Legal, and Operations.

Ingo has recently worked in industries like Banking and Finance and Retail.

Ingo has recently worked in business areas like Project Management, Product Development, and Strategy.

Ingo holds a Master in Business Administration from WHU – Otto Beisheim School of Management.

Ingo has 3 certificates. These include: Introduction To Scrum Master Training, Product Management Essentials, FinTech: Foundations, Payments, and and Regulations.

Ingo is immediately available part-time for suitable projects.

Ingo's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.

To hire Ingo, click the Meet button on the profile to request a meeting and discuss your project needs.

Daily Rate Distribution

0 2 4 6 8

<€480 €640-800 €800-960 €960+

The rates shown represent the typical market range for freelancers in this position based on recent contracts on our platform.

Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.

Average rates for similar positions

Rates are based on recent contracts and do not include FRATCH margin.

800

600

400

200

Daily rate avg. 793 €

The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.

800

600

400

200

Median rate 772 €

The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.

Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.