Product Manager, Global Accounts and Payment Rails

Thunes; Barcelona; Híbrido; EUR 30.000 - 50.000; Jornada completa

Descripción de la vacante

A global payments technology firm located in Barcelona is seeking a Product Manager for Global Accounts and Payment Rails. The role involves defining product strategy and leading integration with payment schemes, enhancing cross-border B2B payments. Ideal candidates have 5+ years of product management experience in FinTech, knowledge of banking payment rails, and strong technical skills. This position offers competitive compensation, hybrid work flexibility, and a vibrant international work environment.

Servicios

Great compensation package

Private Health insurance

Life insurance

Mobile allowance

Learning & Development budget

Flexibility and hybrid working policy

25 days of holidays + additional off days

Formación

• 5+ years of Product Management experience in a FinTech or Financial Services environment.
• Hands-on experience with Bank payment rails and national payment schemes integration.
• Proven experience with Virtual Account or digital IBAN capabilities.

Responsabilidades

• Define and own the product strategy and roadmap for Global Accounts.
• Lead product implementation for integration with global payment schemes.
• Optimize the cross-border B2B payments lifecycle.

Conocimientos

Product Management

Bank payment rails integration

Technical acumen

Cross-border payments

Descripción del empleo

About ThunesThunes is the Smart Superhighway to move money around the world. Thunes’ proprietary Direct Global Network allows Members to make payments in real‑time in over 130 countries and more than 80 currencies. Thunes’ network connects directly to over 7 billion mobile wallets and bank accounts worldwide, as well as 15 billion cards via more than 320 different payment methods, such as GCash, M‑Pesa, Airtel, MTN, Orange, JazzCash, Easypaisa, AliPay, WeChat Pay and many more. Thunes’ Direct Global Network differentiates itself through its worldwide reach, in‑house SmartX Treasury System and Fortress Compliance Platform, ensuring Members of the network receive unrivaled speed, control, visibility, protection and cost efficiencies when making real‑time payments, globally. Members of Thunes’ Direct Global Network include gig economy giants like Uber and Deliveroo, super‑apps like Grab and WeChat, MTOs, fintechs, PSPs and banks. Headquartered in Singapore, Thunes has offices in 14 locations, including Abidjan, Barcelona, Beijing, Dubai, Hong Kong, Johannesburg, London, Manila, Nairobi, Paris, Riyadh, San Francisco and Shanghai. For more information, visit: https://www.thunes.com/

Context of the Role

The Product Manager for Global Accounts and Payment Rails will be responsible for defining and driving the product strategy, roadmap, and execution for Thunes' global collections and settlement capabilities to accelarate our Business Payments. This role is critical in enabling next‑generation financial institutions (Banks, Wallets, Fintechs), and global Merchants to easily facilitate global payments through multi‑currency Virtual Account (VA) and local payment rail integrations. You will be an end‑to‑end owner, taking full responsibility from ideation and market validation through to technical requirements, go‑to‑market, and continuous performance feedback. Success in this role requires a deep understanding of the global payments landscape, including regulatory requirements, clearing and settlement mechanisms, and the technical complexities of connecting to diverse national payment schemes. You will champion your product both internally and externally.

Key Focus Areas

• Global Accounts: Building and enhancing multi‑currency account capabilities (VIBAN, unique identifiers) for collections, in‑country payouts, and holding balances.
• Payment Rails Integration: Driving the integration with and participation in national payment schemes (e.g., SEPA, Faster Payments System (FPS), ACH, Direct Debit globally) to facilitate seamless, fast, and cost‑effective local collections and settlements.
• Business Payments Acceleration: Optimizing the entire cross‑border B2B payments lifecycle to reduce friction, increase speed, and enhance transparency for Thunes' corporate clients.

1. Product Strategy and Vision for Global Accounts & Rails

• Define and own the strategic vision and roadmap for Thunes' Global Accounts and local payment rail integration products, ensuring alignment with Thunes’ overall growth strategy.
• Conduct in‑depth market research, competitive analysis, and customer interviews to identify new opportunities for collections and settlements products that meet the evolving needs of Fintechs, Banks, and Merchants.
• Develop clear product documentation, including feature requirements, user stories, use cases, and acceptance criteria for the engineering teams.

2. Driving Payment Rail Execution and Integration

• Lead the product implementation lifecycle for integration with new global and domestic payment schemes (Direct and Indirect participation models).
• Deeply understand the technical and operational requirements of schemes like SEPA, FPS, BACS, FedNow, UPI, PIX, etc., and translate them into product features and integration specifications.
• Ensure that Virtual Account and payment rail products meet all necessary compliance, regulatory, and reconciliation standards for cross‑border money movement and safeguarding.

3. Accelerating Business Payments

• Benchmark and accelerate the time‑to‑settlement across key payment corridors, focusing on minimizing intermediary bank involvement and leveraging real‑time payment systems where available.
• Drive product features that enhance traceability, transparency, and enriched remittance data for business payments, improving reconciliation and operational efficiency for customers.
• Develop solutions for flexible payment initiation and bulk processing tailored to high‑volume B2X use cases such as supplier payments, payroll, and marketplace collections and settlements.

4. Stakeholder Collaboration and Leadership

• Serve as the primary product expert, working closely with Network, Treasury, Finance, Compliance, and Legal teams to ensure operational readiness, liquidity management, and regulatory adherence.
• Collaborate with Engineering and Architecture teams to define scalable, modular, and robust technical solutions for the global accounts platform.
• Support Business Development and Sales teams with product collateral, training, and deep technical expertise for key customer engagements.

Qualities you would find in our Product Team

• High Growth and Quality Product experts
• High‑level of Ownership
• Sense of direct contribution to the company’s success
• Shared Vision
• Open Communication

Required Experience and Skills

• 5+ years of Product Management experience in a FinTech or Financial Services environment, focused on payments, banking, or core infrastructure products.
• Mandatory deep hands‑on experience with Bank payment rails and integrating with/participating in national payment schemes (e.g., SEPA, FPS, ACH, Direct Debit, Real‑Time Payment schemes globally).
• Proven experience in building or managing Virtual Account (VA) or digital IBAN/Account Identifier capabilities for corporate or institutional clients.
• Strong technical acumen with the ability to articulate complex payment system requirements and integration flows to both technical and non‑technical audiences.
• Solid understanding of global cash management, reconciliation, settlement, and safeguarding processes, specifically in a B2X cross‑border context.

Package and Benefits

• Great compensation package, including performance & company bonus
• Private Health insurance for you and your family
• Life insurance
• Mobile allowance
• Employee wellbeing & support program
• Learning & Development budget
• Work‑life balance (flexibility and hybrid working policy)
• Great offices in the center of Barcelona (close to Sagrada Familia)
• Our team is global, you will work with 40+ different nationalities spread across 5 continents
• 25 days of holidays + 2 Thunes Out Days + 2 Community days