Lead Product Manager - Banking Payments

As a Lead Product Manager for our global payment services, you will drive the strategy and execution for core banking payments across India, the UK, and Europe.

Responsibilities

Drive Payment Strategy: Develop, drive, and execute the end-to-end product vision for banking payments (covering local/international rails, multi-currency accounts, and local IBANs) aligned with global business objectives.; Execute Technical Delivery: Lead cross-functional, agile teams through the entire product development lifecycle-mapping transaction lifecycles, writing technical specifications, and managing database isolation levels, event-driven architecture, and API design.; Own the Core Infrastructure: Lead discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics.; Leverage the Ecosystem: Engage deeply with the wider banking and fintech ecosystem (including Central Banks, clearing houses, BaaS partners, and Open Banking infrastructure like VRP) to identify next-generation payment opportunities.; Ensure Regulatory & Risk Compliance: Collaborate with Risk, Compliance, and Legal teams to ensure all payment features adhere strictly to FCA/PRA, EMI, and local central bank regulatory guidelines, proactively mitigating fraud and transaction risks.; Commercialize Payment Features: Optimize revenue drivers across the payment flywheel (interchange, FX markups, premium payment features, and data enrichment) while collaborating with Finance on quarterly forecasting.; Prioritize via Data: Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, and processing costs) to drive continuous optimization.

Requirements

Fintech/Banking Expertise: 8+ years of experience in Product Management specifically focused on core banking systems, payment rails, clearing/settlement infrastructure, or electronic money institutions (EMIs).; Deep Payment Rail Knowledge: Strong technical understanding of global and local payment mechanics, including SEPA, Faster Payments, UPI, SWIFT, and Open Banking / PSD2 frameworks.; Technical Fluency: Comfort speaking "Finance" with compliance officers and "Engineering" with backend architects. You understand API design, transaction logging, race conditions, and edge cases in high-throughput core systems.; Precision & Ledger Fluency: Solid understanding of funds flow, ledger management, double-entry bookkeeping, and automated safeguarding/reconciliation processes.; Regulatory Acumen: Well-versed in UK/EU/Global financial regulations (FCA, PRA, EBA guidelines, AML/KYB compliance, and transaction reporting requirements).; B2B / SME Focus: A strong understanding of small business financial friction points (cash-flow management, payment acceptance, FX, and account reconciliation).; Leadership & Influence: Proven experience mentoring junior PMs, managing external third-party banking providers/vendors, and aligning senior executive stakeholders.; Hands-on execution: A proactive individual contributor who balances big-picture financial strategy with a meticulous, hands-on approach to technical data flows.

Benefits

Remote first; 25 days of paid annual leave; 3 additional days for volunteering and learning; Private Health Insurance; Mental Health Support Platform; FitPass; Family and Friendly Leave (according to statutory); Personal L&D budget; Share options