Product Manager, Payments Infrastructure

Position Overview

This role, based in Saudi Arabia, is for a Product Manager specializing in Payments Infrastructure. The focus is on overseeing and evolving the core systems that support secure, efficient, and scalable financial transactions across diverse markets and currencies. The individual will manage the technical strategy encompassing payment processing, settlement engines, ledger systems, virtual accounts, and banking integrations. Collaborations span Engineering, Product, Treasury, and Compliance teams to guarantee accuracy, timeliness, and reliability in transaction processing. The role offers a strategic influence on key infrastructure decisions within a dynamic fintech environment targeting emerging markets.

Key Responsibilities

• Lead and implement the technology roadmap for payment infrastructure components including payment rails, ledgers, settlement mechanisms, currency conversions, and virtual account functionalities.
• Drive the advancement of virtual account technologies and Virtual IBAN systems to enhance customer payment experiences and support evolving business needs.
• Coordinate with the Payment Experience Product Manager to ensure alignment of infrastructure capabilities with consumer requirements, transforming product demands into technical priorities.
• Assess, prioritize, and manage integrations with banking entities, liquidity providers, and stablecoin-based settlement networks, ensuring optimal balance among cost, speed, reliability, and market reach.
• Oversee the management of transaction processing, settlement, and reconciliation systems to maintain precise and prompt funds movement across multiple currencies and payment platforms.
• Define strategies for payment routing and currency conversion, selecting the most effective channels per transaction and facilitating settlements using networks like USDC, USDT, and PYUSD.
• Partner with Engineering to make architectural decisions addressing APIs, distributed systems, data consistency, idempotency, error handling, and reconciliation processes.
• Collaborate with Treasury to incorporate liquidity needs, funding frameworks, and payment corridor coverage into infrastructure architecture.
• Work alongside Compliance to embed regulatory, licensing, and market-specific standards into the payment infrastructure from the beginning.
• Establish and track infrastructure performance indicators such as transaction success rates, settlement timeliness, system availability, reconciliation precision, and incident metrics (frequency and severity).
• Cooperate with Engineering on capacity planning, incident management, scalability enhancements, and prioritizing technical debt affecting reliability and future scalability.
• Produce documentation detailing infrastructure features, current limitations, partner integrations, and specific corridor requirements to support cross-team understanding.

Candidate Profile

• At least 5 years of experience in Product Management, including a minimum of 3 years dealing with payment infrastructure, payment rails, ledger systems, or core banking and transaction platforms within fintech or cryptocurrency sectors.
• High degree of technical understanding enabling participation in detailed architectural discussions related to APIs, distributed systems, data consistency, transaction workflows, and system dependability.
• Possession of a bachelor's or master's degree in Engineering, Computer Science, Product Management, or a similar discipline.
• Fluency in English, both written and spoken.
• Proven track record in collaborating effectively with cross-functional teams across various disciplines, markets, and time zones.
• Exceptional organizational and prioritization abilities to juggle multiple demands, adhere to deadlines, and deliver in fast-paced settings.
• Ability to make strategic decisions balancing speed, cost, scalability, and reliability when setting technical product priorities.
• Experience with stablecoin or cryptocurrency settlement networks is advantageous.
• Background in integrating banking partners, working with correspondent banking networks, or managing international payment rails is beneficial.
• Strong communication and documentation skills to elucidate complex infrastructure capabilities and technical limitations to stakeholders of varied technical knowledge.

Benefits

• Opportunity to impact financial inclusion by enhancing access to infrastructure in emerging markets.
• Fully remote work environment offering flexible arrangements.
• Engagement with a diverse, global team spanning over 25 countries.
• Access to learning resources and autonomy for professional growth and skill development.
• Support services focusing on mental well-being.
• Competitive salary package tailored to experience and role responsibility.
• Comprehensive health insurance benefits.
• Participation in equity through a stock option plan for full-time employees.
• Full-time position with the chance to lead significant payment infrastructure initiatives and influence long-term technical strategy.

Additional Information

This job is recruited on behalf of a partner firm handling all applications and subsequent recruitment phases directly. The selection process is assisted by AI to ensure efficient and impartial evaluation of candidates against essential qualifications, with final decisions resting with the partner company.