Product Manager - Money Movement

Accountabilities:: Own the money-movement product surface across on-ramps, off-ramps, pay-ins, payouts, payment infrastructure, settlement, reconciliation, liquidity, treasury, and transaction processing. Transform manual, spreadsheet-based settlement, reconciliation, liquidity, and treasury workflows into scalable, reliable product infrastructure. Establish and evolve the operating model for payment operations, including settlement cycles, reconciliation processes, transaction processing, exception handling, and related workflows. Work closely with Finance and FinOps to design operational processes that support accurate, efficient, and scalable money movement. Align rail and infrastructure decisions with the organization’s shared payments infrastructure and API architecture, avoiding unnecessary duplication. Partner with core infrastructure and retail product teams to ensure money-movement capabilities can support multiple business lines and use cases. Apply AI-native approaches to product development and operational workflows, identifying opportunities to automate manual processes and accelerate execution. Assess payment corridors across emerging markets, taking into account banking restrictions, regulatory requirements, pricing structures, operational realities, and market-specific constraints. Determine which capabilities can be standardized across markets and which require corridor-specific solutions. Analyze corridor economics, including deposit fees, FX spreads, transfer fees, and other costs, to inform product and growth decisions. Build and manage relationships with banking partners, payment service providers, and other financial infrastructure partners. Collaborate with cross-functional stakeholders to launch, optimize, and scale payment rails and money-movement capabilities. Requirements: 4+ years of product management experience for Senior PM-level consideration, or 7+ years for Lead PM-level consideration. Demonstrated experience shipping payment rails in emerging-market or high-growth fintech environments. Hands-on experience with payment methods or rails such as on-ramps, off-ramps, ACH, SWIFT, wire transfers, card acquiring, or comparable payment infrastructure. Experience working across multiple payment service providers or banking partners simultaneously. Strong understanding of settlement, reconciliation, treasury, liquidity, transaction processing, and payment operations, in addition to customer-facing payment experiences. Ability to analyze the economics of payment corridors, including deposit costs, FX spreads, transfer fees, and the trade-offs involved in subsidizing customer adoption. Direct experience managing or negotiating relationships with banking partners or payment service providers rather than working exclusively through an intermediary business development function. Strong understanding of emerging-market banking environments, including regulatory, operational, and infrastructure differences between jurisdictions. Excellent product judgment and the ability to balance customer experience, operational scalability, financial performance, risk, and technical constraints. Strong analytical, communication, stakeholder management, and problem-solving skills. Ability to work effectively across product, engineering, infrastructure, finance, operations, and external partners. Comfortable operating in an ambiguous, fast-moving environment and building processes or infrastructure from the ground up. Experience with stablecoin or cryptocurrency payment rails, multi-currency treasury, or emerging-market banking is a strong asset. Ability to work effectively in a remote environment and collaborate across distributed teams. Benefits: Fully remote working arrangement. Full-time opportunity with responsibility for a critical product area. Opportunity to shape foundational payment infrastructure and money-movement capabilities. Daily collaboration with core retail product and payments infrastructure teams. High-impact role at the intersection of fintech, payments, product, operations, and financial infrastructure. Opportunity to build new processes and infrastructure from the ground up rather than simply optimizing established systems. Exposure to emerging-market payment corridors and complex international financial infrastructure. Compensation positioned at the top end of the market for the candidate’s geography. Opportunity to work in an AI-native environment where automation and AI-assisted execution are incorporated into product development and operations. Product leadership opportunity with leveling available at Senior Product Manager or Lead Product Manager depending on experience.