Staff Product Manager

About the role

The Staff Product Manager, Payments will define the future of global transactions by owning the strategy for programmable account-to-account payouts with a core concentration on Direct Debit. This role leads the roadmap for a payments layer that connects banks, fintechs, and businesses across 220 markets, requiring the translation of intricate settlement rules into actionable technical guidance. The hire will drive adoption and ensure reliable, instant fund movement globally through decisive product leadership. Success is measured by the evolution of Direct Debit from a simple bank debit tool into a programmable payments infrastructure. This position is as much a growth opportunity as it is a product leadership role shaping a critical component of Nium's global transaction network.

Key facts

What you'll do

• Orchestrate the intake process for Direct Debit features, mapping rules across varied regional requirements and diverse currency types to ensure comprehensive coverage.
• Architect and oversee build pipelines that rigorously connect treasury logic with Nium's payout networks, guaranteeing local settlement accuracy and operational efficiency.
• Champion structured review cycles that align product and compliance teams, validating controls for cross-border transactions to meet stringent regulatory standards.
• Orchestrate release rituals that coordinate deployments, ensuring wallets, cards, and accounts receive funds correctly without disruption or error.
• Forge and manage partner integrations by aligning with networks operating in real-time across 220 markets to maintain system interoperability and performance.
• Guard the quality of recurring collection flows to ensure wallet funding remains reliable, traceable, and secure at all operational times.
• Lead the card issuance business, an expansion active in 34 countries, by aligning complex product specifications with evolving local legal requirements.
• Own implementation quality by guiding rapid integration and onboarding for global customers to ensure a seamless experience regardless of geography or market maturity.
• Navigate the strategic evolution of the Direct Debit product as it transforms into a programmable payments infrastructure supporting recurring collections, wallet funding, third-party payment acceptance, and treasury operations.
• Evaluate lower-cost alternatives to traditional card payments, ensuring the product remains competitive and economically viable for enterprise clients.
• Ensure the product acts as a growth lever, balancing innovation with risk management to support Nium's global transaction network ambitions.
• Provide clear, actionable technical guidance to engineering and operations teams to translate complex financial concepts into executable product roadmaps.

Requirements

• Bring 3 to 5 years of experience managing complex payments products within a fast-paced, regulated environment.
• Demonstrate a deep familiarity with Direct Debit mechanisms, wallet funding processes, and treasury flow operations across multiple jurisdictions.
• Possess a thorough understanding of regulatory licenses and compliance frameworks, navigating requirements across more than 40 jurisdictions.
• Ensure onboarding processes remain compliant globally, adapting to varying legal landscapes without compromising speed or efficiency.
• Operate effectively across time zones, working smoothly between San Francisco and Singapore to support global operations.
• Master multiple payment rails, understanding the nuances of each to optimize product performance and reliability.
• Maintain strict adherence to financial services laws, particularly those governing money transmission and cross-border transactions.
• Uphold US money transmission licensing (MTLs) and related regulatory obligations in the Americas region.

Nice to have

• Experience scaling payments infrastructure capable of handling high-volume currency conversion and settlement processes.
• Background in cross-border transaction processing, with a proven track record in managing real-time fund movement networks.
• Knowledge of real-time fund movement networks and their application in accelerating payout efficiencies.

Practical notes

• Compensation range is specified as $180,000 to $260,000 per year for this role.
• The position requires close collaboration between San Francisco and Singapore teams across different time zones.
• Engagement is full-time, requiring dedication to managing complex product workflows in a regulated industry.
• Travel may be required to support partner integrations and compliance initiatives as business needs dictate.
• The role involves rapid integration and onboarding for global customers, necessitating flexibility and strong operational support skills.
• Candidates must be available to work within the specified San Francisco location while maintaining seamless coordination with international offices.