Senior Product Manager, Fiat Payment

Own Transak’s fiat payments experience across the Americas, improving payment success, time-to-funds, transaction costs, disputes, settlement, reconciliation, and partner experience across multiple payment rails.

Responsibilities

• Own the fiat payments roadmap across ACH, bank transfers, cards, and APMs.
• Define multi-rail routing strategy based on conversion, cost, risk, speed, and availability.
• Set and manage payment KPIs across authorization, completion, funding time, cost, disputes, returns, and payouts.
• Prioritize roadmap work using data, user feedback, and partner insights.
• Define quarterly product strategy and write detailed PRDs.
• Lead agile execution and iterative product delivery.
• Drive reliability improvements using idempotency, retries, state machines, fallbacks, and monitoring.
• Own end-to-end ACH payin and payout experiences, including bank linking, verification, lifecycle tracking, and exceptions.
• Improve card authorization and payment success through routing, retries, tokenization, and decline-reason normalization.
• Expand and optimize local APM coverage, especially across LATAM.
• Standardize APM integrations, statuses, webhooks, error taxonomies, reporting, and SLAs.
• Partner with Finance, Operations, Compliance, Legal, Risk, Engineering, and Partnerships on payment readiness and operations.
• Source, onboard, and scale payment providers and manage partner escalations.
• Improve developer and partner experience through scalable APIs, documentation, dashboards, and operational transparency.
• Communicate progress, risks, and tradeoffs to leadership.

Requirements

• 8–10+ years in product management or a strong engineering-to-PM background, ideally in payments, fintech infrastructure, or money movement.
• Experience owning bank transfer, ACH, card, or local APM products, including settlement and reconciliation.
• Technical fluency with APIs, webhooks, payment state machines, ledgers, idempotency, retries, and observability.
• Data-driven mindset with comfort using SQL and analytics.
• Strong cross-functional leadership across Engineering, Risk, Compliance, Finance, Operations, and Partnerships.
• Experience operating in US, Canadian, and/or LATAM markets and navigating regulated environments.
• Experience with Same Day ACH, RTP/FedNow, wires, LATAM APM ecosystems, bank operations, or payments compliance is a plus.
• Exposure to Web3 on/off-ramps, stablecoin rails, wallet ecosystems, or internal payments tooling is a plus.