Product Manager — Payments
About the Role
We're building a card-acquiring platform from scratch — and there's a critical layer that sits between engineering and finance that nobody owns yet: how the product actually moves money.
That means merchant and BIN onboarding, scheme processing, settlement and reconciliation, fiat payouts via SEPA and SWIFT, and making sure all of it is safeguarding-compliant. Right now this layer lives across our CTO and CFO. You'll own it — end to end.
No legacy systems. No bureaucracy. No ticket conveyor belt. Just you, a small senior team, and a genuinely hard domain where the decisions you make in the first six months will shape how money flows through the platform for years.
This is not a CFO role — we don't expect P&L, capital adequacy, or FP&A. It's not a Scrum PO or a BA. It's the owner of the financial and payments product layer: someone who digs into the domain themselves, writes specs engineers can build from, and makes product decisions. Disputes/chargebacks, FX, and the merchant-facing portal sit in adjacent roles.
What You'll Own:
- Merchant & BIN onboarding — design how merchants get set up in our core processing platform, end to end.
- Scheme processing — get into the mechanics of authorisation, 3DS, clearing and settlement, and own the product decisions that follow.
- Settlement & reconciliation — define how money moves from scheme settlement into our ledger and through to safeguarding accounts. Spec it to the point engineering can build.
- Fiat payouts — own the product side of SEPA and SWIFT payouts through our banking partners, including what we need from each integration.
- Safeguarding — make sure every money movement decision is designed with regulatory requirements in mind, in close collaboration with the CFO.
You'll Be a Strong Fit If:
- You have 4–6+ years in product at a payments or fintech company — ideally regulated. You know what that means in practice.
- Card acquiring isn't new to you: BIN sponsorship, interchange, scheme fees, 3DS, PSD2 exemptions — you've worked with these, not just read about them.
- You can take a requirement from a regulator or CFO and turn it into something engineers can actually build.
- You're comfortable driving alignment with a CTO and CFO directly — no product director needed as a go-between.
- You understand how money moves: settlement, reconciliation, correspondent banking, SEPA, SWIFT — well enough to spot when something is wrong.
- You figure things out yourself. You read the docs, you call the counterparties, you don't wait to be briefed.
- You think in flows, not features — you see the end-to-end journey of funds, not a backlog of disconnected tickets.