[EU] Payments Product Expert

Job description

**About Us** Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance. Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution. Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services. **Key Responsibilities:** As a Senior Payments Product Manager, you will be at the forefront of our expansion in the EU. You will play a pivotal role in building and managing our payment products, ensuring they meet the highest standards of efficiency and regulatory compliance. - **Strategic Reporting:** Direct report to Head of Payments EU / Managing Director of Bybit Payments GmbH. - **Product Ownership:** Lead the lifecycle of payment products including accounts, international transfers, cards, digital payments, digital wallets, FIAT currencies and stablecoins (e-money tokens). - **Infrastructure Management:** Establish and oversee clearing and settlement systems (SWIFT, EBA Clearing, TIPS) and maintain payment standards (SEPA / ISO 20022). - **Treasury Operations:** Design internal treasury and cash management systems to optimize liquidity and fund safety. - **Stakeholder Management:** Act as interface between technical teams, legal & compliance, AML, payments operations, sales, and external financial partners. **Requirements:** - **Education & Experience:** Degree in Economics, Finance, or a related field. Minimum of **5+ years of experience** in payments within a bank, e-money institution, or payment service provider (PSP). - **Technical Expertise:** Strong knowledge of payment protocols (SWIFT, SEPA), clearing systems, and product architecture (wallets, currency exchange, e-money tokens). - **Regulatory & Compliance:** Deep understanding of the European regulatory landscape, including **PSD2/PSD3, E-Money Act, AMLD, GDPR, and DORA**. Familiarity with safeguarding client funds is essential. - **Languages:** Professional fluency in both **English and German** is mandatory (due to regular interaction with Austrian regulatory authorities). - **Mindset:** Ability to thrive in a fast-paced, 24/7/365 operational environment. You are a self-starter who can work independently while maintaining high standards of precision. **Why Join Us** At Bybit, we are committed to fostering a supportive and enriching work environment. Our benefits include: - Study Growth Fund: We support your professional development and continuous learning. - Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation. - Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world. - Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company. - Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.