Product Manager, Payments Infrastructure

Job description

**This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Product Manager, Payments Infrastructure based in United Kingdom.** As a Product Manager, Payments Infrastructure, you will shape the core systems that enable secure, reliable, and scalable money movement across multiple markets and currencies. You will own the technical roadmap for payment processing, settlement, ledger systems, virtual accounts, and banking integrations. Working closely with Engineering, Product, Treasury, and Compliance, you will ensure transactions are processed accurately, efficiently, and on time. You will help optimize payment routing, liquidity management, and cross-border settlement across traditional banking and stablecoin networks. This role offers the opportunity to influence critical infrastructure decisions in a fast-moving fintech environment serving emerging markets. You will combine technical product expertise with strategic thinking to strengthen system resilience, expand payment capabilities, and support sustainable growth. ### Accountabilities - Own and execute the technical roadmap for core payment infrastructure, including payment rails, ledger systems, settlement engines, currency conversion, and virtual account capabilities. - Lead the development of virtual accounts and Virtual IBAN infrastructure to support customer-facing payment experiences and evolving business needs. - Collaborate with the Payment Experience Product Manager to align infrastructure capabilities with customer requirements and translate upcoming product needs into technical priorities. - Evaluate, prioritize, and oversee integrations with banking partners, liquidity providers, and stablecoin settlement networks, balancing cost, speed, reliability, and market coverage. - Own transaction processing, settlement, and reconciliation systems to ensure accurate, timely, and reliable movement of funds across multiple currencies and payment networks. - Define payment routing and currency conversion strategies, selecting the most appropriate rails for individual transactions and supporting settlement through networks such as USDC, USDT, and PYUSD. - Partner with Engineering on architecture decisions involving APIs, distributed systems, data consistency, idempotency, error handling, and reconciliation. - Work with Treasury to incorporate liquidity requirements, funding models, and payment corridor coverage into infrastructure design. - Collaborate with Compliance to embed regulatory, licensing, and market-specific requirements into payment infrastructure from the outset. - Define and monitor infrastructure performance metrics, including transaction success rates, settlement times, system uptime, reconciliation accuracy, and incident frequency and severity. - Work with Engineering on capacity planning, incident response, scalability improvements, and the prioritization of technical debt that could affect reliability or future growth. - Document infrastructure capabilities, limitations, partner integrations, and corridor-specific requirements to support Product, Engineering, and go-to-market teams. ## Requirements - At least 5 years of Product Management experience, including 3 or more years working with payment infrastructure, payment rails, ledger systems, or core banking and transaction platforms within fintech or crypto. - Strong technical fluency, with the ability to engage in detailed architecture discussions covering APIs, distributed systems, data consistency, transaction processing, and system reliability. - A bachelor's or master's degree in Engineering, Computer Science, Product Management, or a related field. - Professional fluency in English, both written and spoken. - Experience collaborating effectively with cross-functional teams across different disciplines, markets, and time zones. - Strong organizational and prioritization skills, with the ability to manage competing demands, meet deadlines, and deliver results in a fast-paced environment. - Demonstrated ability to make informed trade-offs between speed, cost, scalability, and reliability when defining technical product priorities. - Experience with stablecoin or cryptocurrency settlement networks is a plus. - Experience integrating banking partners, working with correspondent banking networks, or managing cross-border payment rails is a plus. - Strong communication and documentation skills, with the ability to explain complex infrastructure capabilities and technical constraints to both technical and non-technical stakeholders. ## Benefits - **Meaningful impact:** Contribute to expanding financial inclusion and improving access to financial infrastructure across emerging markets. - **Remote-first flexibility:** Work in a fully remote environment. - **International collaboration:** Join a diverse, multicultural team of professionals working across more than 25 countries. - **Learning and development:** Access resources, support, and autonomy to develop your skills and advance your career. - **Mental health support:** Benefit from services designed to support your mental well-being. - **Competitive compensation:** Receive a competitive compensation package aligned with the role and experience. - **Health coverage:** Access meaningful healthcare benefits. - **Equity participation:** Participate in the stock option plan available to full-time employees. - **Full-time opportunity:** Take ownership of critical payment infrastructure initiatives with opportunities to influence technical strategy and long-term product development.