Payment Product Manager

Payments & Cards Network; Ratingen; Vor Ort; EUR 65.000 - 85.000; Vollzeit

Zusammenfassung

A major fintech company in Ratingen is looking for a Product Manager to drive digital payment solutions. Candidates should have over 3 years of experience and strong knowledge of regulations like ZAG. You will lead product development ensuring compliance with German payment laws and collaborate with diverse teams to deliver innovative solutions. Strong communication skills in German and English are essential. This role offers a dynamic environment for shaping the future of payment services.

Qualifikationen

• 3+ years in product management for digital payment services.
• Familiar with regulatory frameworks relevant to payments.
• Strong analytical skills and experience in project oversight.

Aufgaben

• Shape a portfolio of payment solutions including cards and mobile services.
• Conduct market research and design innovative product concepts.
• Lead product launches in a regulated payments environment.

Kenntnisse

Product management

Regulatory knowledge (ZAG-MaRisk, ZAIT, DORA, PSD2)

Agile product development

Analytical skills

Communication

Project management

German language proficiency

English language proficiency

Tools

Payment platforms

API integrations

Scrum

Kanban

Jobbeschreibung

About the Client

Our client, the payments division of a major European mobility group, is driving the transition toward efficient and sustainable transport. With a presence in more than 50 countries and a workforce of around 2,400 people, the company offers a dynamic and agile environment where you can help shape the future of digital payments in mobility.

What You Will Do

• Take an active role in shaping a portfolio of payment solutions, including cards (credit, debit, prepaid), mobile payment services, apps, and KYC/AML processes, within a regulated payments institution under the German Payment Services Act (ZAG).
• Conduct market research, assess new business opportunities, and design innovative product concepts aligned with regulatory, compliance, and IT security requirements.
• Contribute to strategic market positioning and support both strategic and operational product performance management.
• Coordinate agile product development processes across payment technologies such as APIs, card platforms, and compliance tools.
• Drive the strategic development and regulatory implementation of new products in line with BaFin, DBB, and EBA requirements.
• Lead product launches and enhancements in partnership with internal teams and external stakeholders within the ZAG-regulated environment.
• Collaborate closely with departments across the wider mobility group and external partners to ensure successful delivery and monitoring of payment solutions.

What You Bring

• A minimum of 3 years’ experience in product management for digital payment services, ideally gained in a ZAG institution, e-money provider, or FinTech.
• Solid knowledge of regulatory frameworks such as ZAG-MaRisk, ZAIT, DORA, and PSD2.
• Proven expertise in agile product development and managing digital financial products.
• Strong analytical ability with experience in building business cases, setting KPIs, and preparing decision-making materials.
• High initiative, accountability, and the ability to oversee complex projects and processes.
• Excellent communication and collaboration skills with both internal and external stakeholders.
• Ability to translate compliance, IT security, and legal requirements into product specifications.
• Familiarity with payment platforms, API integrations, chip card technology, compliance tools, and IT security practices.
• Strong project management skills, ideally in agile environments (Scrum, Kanban).
• Very good written and spoken German and English.