Senior Product Manager - Virtual Accounts

dLocal; Barcelona; Presencial; EUR 70.000 - 90.000; Jornada completa

Descripción de la vacante

dLocal is seeking a Senior Product Manager for Virtual Accounts to lead the strategy and execution. This role focuses on improving the merchant experience and integrating local banking solutions.

You will collaborate with global fintechs, define product requirements, and drive key metrics for success. Applicants should have 5+ years of experience in product management, ideally with virtual accounts in emerging markets.

Formación

• 5+ years of product management experience.
• 2+ years of experience with virtual account or banking-as-a-service products.
• Deep understanding of local payment rails in emerging markets.

Responsabilidades

• Own the product strategy and roadmap for Virtual Accounts.
• Work with enterprise merchants to define product requirements.
• Lead cross-functional teams to deliver scalable VA features.
• Monitor product metrics for continuous improvement.

Conocimientos

Product management experience

B2B & B2B2C context knowledge

Data-driven mindset

Strong technical fluency

Automation seeking

English proficiency

Descripción del empleo

• DLocal is the payments infrastructure powering the world’s leading global companies in emerging markets. Our Virtual Accounts product enables enterprise merchants to issue unique, persistent payment identifiers to their own customers across markets creating a scalable, card‑free collection channel that works with local banking rails
• As Senior PM for Virtual Accounts, you will own end-to-end the product strategy, roadmap, and execution of one of dLocal’s highest‑growth product lines
• You’ll work at the intersection of global enterprise merchant needs and local market banking infrastructure — defining how dLocal’s B2B2C merchants issue virtual accounts in countries where traditional card infrastructure is limited or absent. This role has direct commercial impact on dLocal’s TPV growth and merchant retention, and will be a key driver of our embedded finance expansion
• Own the global roadmap for the Virtual Accounts product, prioritising features that reduce time‑to‑market per country, improve merchant self‑service, and increase activation rates across dLocal’s 40+ markets
• Partner with enterprise merchants (global fintechs, gig platforms, e‑commerce, lending companies) to deeply understand their VA use cases — from subscription collection to payroll disbursement — and translate those into product requirements
• Lead cross‑functional squads to deliver scalable, production‑ready VA features with clear SLAs
• Define and improve the end‑to‑end merchant experience: VA issuance API, reconciliation reporting, webhook reliability, dashboard visibility, and fraud controls
• Work with Banking Partnerships and Regulatory teams to expand VA coverage to new markets, navigating local banking sponsors, compliance requirements, and technical constraints
• Establish and monitor key product metrics (VA issuance volume, payment conversion rate, reconciliation accuracy, merchant NPS) and use them to drive continuous improvement
• Identify and lead automation opportunities in VA lifecycle management — from provisioning to settlement — reducing manual operational load and error rates
• Collaborate with Sales and Solutions Engineering to position and pitch the VA product to prospective enterprise clients, supporting commercial deals and RFP responses

Automation-oriented: you proactively seek to reduce manual processes, improve operational efficiency, and leverage tooling to scale without proportional headcount growth. Advanced English is mandatory. Experience navigating multi‑stakeholder environments — banking partners, compliance, engineering, commercial — and driving alignment across them. Proven track record working with enterprise clients and translating complex, ambiguous B2B requirements into clear, scalable product solutions. Data‑driven and AI mindset: you define success metrics before building, run structured experiments, and make decisions backed by evidence rather than instinct alone. 5+ years of product management experience, with at least 2 years specifically building or scaling virtual account, banking‑as‑a‑service, or account issuance products in a B2B or B2B2C context. Deep understanding of local payment rails in emerging markets and how they interact with global merchant platforms. Strong technical fluency: comfortable reading API documentation, understanding IPN/webhook flows, and collaborating closely with engineering on architecture decisions without being a blocker.