Product Director - Payment & Banking

Medium; Greater London; On-site; GBP 90,000 - 120,000; Full time

Job summary

A leading finance technology firm is searching for an experienced Product Director to manage the Cash team and drive financial product initiatives. This role involves optimizing payment infrastructure and building strategic partnerships with banks and fintech companies. Ideal candidates will have over 10 years of experience in product leadership, specifically in cross-border payments, as well as a deep understanding of US banking regulations. A strong commitment to customer satisfaction and effective stakeholder management is essential.

Qualifications

• 10+ years of product leadership focused on payment infrastructure.
• Experience in optimizing payment rails for speed.
• A data-informed work style with user empathy.

Responsibilities

• Lead banking partnerships to ensure liquidity for user transactions.
• Optimize acceptance rates for various payment methods.
• Negotiate commercial deals with banks for better service levels.

Skills

Product leadership

Cross-border payment infrastructure

Technical API understanding

Stakeholder management

Customer-focused product design

Job description

Our Product Management team drives product initiatives from inception through execution, launching products/features across our global footprint. We collaborate closely with engineers, designers, analysts, marketers, and other cross‑functional team members to ship remarkable features and products.

About the role

The Cash team deals with money movement and transfers. We work with banks, fintechs, wallets to enable our users to move money seamlessly into and out of our platform.

We are looking for a seasoned and hands‑on Product Director who has the vision, drive, and ability to own, create, implement and manage an industry‑changing platform that helps change the way users deal with money.

This role in particular is focused on US partners and hence an in‑depth understanding of US banking regulations and practices is a huge advantage.

Job Responsibilities

• Liquidity and Settlement: Expert understanding of Treasury Product; specifically how to structure banking partnerships to ensure zero, or near‑zero, downtime liquidity for mass user pay‑outs and instant trading activities.
• High‑Acceptance Rate Focus: Demonstrated ability to significantly increase transaction acceptance rates across credit card, debit card, and bank transfer pay‑ins by optimizing processor relationships, fraud rules, and regulatory compliance checks.
• Strategic Bank Partnership: Leading commercial negotiations and technical integrations for direct bank relationships (not just white‑label partners) to secure preferential rates, dedicated service levels, and custom solutions required by trading businesses.
• Payment Orchestration & Routing: Experience in designing the logic for a dynamic routing engine that instantly selects the best rail based on user segment, jurisdiction, currency, speed requirement, and risk profile.
• Institutional On‑Ramp: Experience in scalable fiat payment solutions tailored for institutional clients (e.g., dedicated segregated bank accounts, high‑value wire processing, bulk pay‑out APIs).
• Key Success Metrics: 1) Time-to‑Fund/Time-to‑Withdrawal (reducing latency), 2) Pay‑in acceptance rates (driving higher funding success) and 3) Cost‑per‑Transaction (optimizing margins)

Job Requirements

• Minimum of 10+ years of product leadership focused on building and optimizing cross‑border payment infrastructure.
• Less experience candidates can be considered as Principal/Lead.
• Proven experience in selecting and integrating payment rails based on transaction speed (T+0 vs. T+1) to meet the needs of instant trading.
• Good aptitude for understanding technical APIs and translating them to how they impact user stories is preferred.
• A data‑informed work style, viewed through a compassionate lens of the user.
• A passion for building delightful customer‑facing products and experiences.
• Strong work ethic and willingness to go the extra mile to meet tight delivery timelines and goals where necessary.
• Ability to manage C‑level stakeholders and clearly articulate prioritization decisions and considerations.
• Demonstrated leadership, taking ownership and producing results.
• The ability to collaborate well with designers, engineers, QA, Marketing, compliance, growth.
• Bring humility to your work and how you work with others.