Product Manager – Cross-Border Payments & Digital Assets

ClearBank Ltd; Greater London; Hybrid; GBP 90,000 - 120,000; Full time

Job summary

ClearBank Ltd in London is seeking a hands-on Product Manager to shape the next generation of international payments and digital asset propositions. You will own initiatives across cross-border payments and digital assets, translating market opportunities into scalable products and working with engineering, operations, compliance and risk teams.

You'll lead discovery through delivery, partnering with customers and internal stakeholders to ensure commercially viable, operationally scalable

Qualifications

• Strong Product Management experience within payments, banking, fintech or financial infrastructure.
• Deep understanding of cross-border payments and international payment flows.
• Proven ability to take complex financial products from discovery through to launch.
• Experience working with Engineering in an Agile environment.
• Excellent stakeholder management and communication skills.
• Ability to translate customer problems into clear product requirements and priorities.

Responsibilities

• Develop and execute product roadmaps in partnership with the Head of Product, translating objectives into priorities with measurable outcomes.
• Own initiatives across full lifecycle from discovery to launch and ongoing optimisation.
• Develop cross-border payment propositions including corridors, providers, networks and new rails.
• Contribute to Digital Assets propositions including stablecoins and fiat-digital asset interoperability.
• Evaluate partnerships for capability, coverage, and commercial viability.
• Collaborate with Engineering, Architecture and Business Analysis to define product and technology requirements.
• Lead product discovery with clients to understand pain points and future needs.
• Build business cases and support product-level commercial management including pricing and volumes.
• Work with Treasury, Operations, Financial Crime, Compliance, Legal and Risk to ensure safe, compliant propositions.
• Create operating models and ensure processes and customer journeys are ready before launch.

Skills

Product management

Cross-border payments

Agile practices

Stakeholder management

Customer discovery

Business cases & pricing

Technical collaboration

Multidisciplinary teamwork

Job description

About us

the company was built on the belief that banking infrastructure should enable progress, not slow it down. Our clients, from fintechs and digital asset businesses to banks and financial institutions, use our technology and APIs to power innovative banking and payment propositions.

But we wouldn’t be the company without our people. They’re what powers our technology and the reason we love what we do every day. We’re a group of ambitious, curious people who aren’t afraid to challenge the status quo. We believe in fairness, autonomy and choice, empowering our people with the tools and opportunities to learn, grow and contribute to the success of the company and our clients.

About you

You’ll be joining the Product team as a Product Manager – Cross-Border Payments & Digital Assets, reporting to the Head of Product, Cross-Border Payments and Foreign Exchange.

This is an exciting opportunity to help shape the company’s next generation of international payments and digital asset propositions.

We’re looking for an experienced, hands-on Product Manager who can operate at the intersection of cross-border payments, banking infrastructure and digital assets. You’ll help develop propositions that enable our clients to move money internationally through both traditional payment infrastructure and emerging digital asset and stablecoin rails.

You’ll be comfortable taking complex opportunities from discovery through to launch, working across Product, Engineering, Operations, Treasury, Financial Crime, Compliance, Risk and Commercial teams.

You’ll combine strong customer understanding with commercial and technical thinking, translating market opportunities and complex payment flows into scalable products that solve genuine customer problems.

As Product Manager, you’ll own key initiatives across cross-border payments and digital assets, helping define the product strategy, roadmap and delivery priorities.

You’ll work closely with Engineering and cross-functional teams to understand customer problems, define requirements and take new capabilities from discovery and design through delivery, pilot and commercial launch.

Within cross-border payments, this could include capabilities covering international payment corridors, payment providers and networks, multi-currency payment flows, FX-enabled payments and alternative payment rails.

Within Digital Assets, the role will contribute to developing propositions including stablecoin payments, stablecoin minting and redemption, fiat-to-digital-asset connectivity, custody and tokenisation opportunities

A major part of the role will be connecting these two worlds and exploring how emerging digital asset infrastructure can complement traditional correspondent banking and payment networks to deliver faster, more efficient and scalable global payment propositions.

You’ll also work directly with customers, partners and internal stakeholders to validate propositions and ensure they are commercially viable, operationally scalable and aligned with the company’s risk and regulatory requirements.

Principal Duties and Responsibilities

• Develop and execute product roadmaps in partnership with the Head of Product, translating strategic objectives into clear priorities and measurable outcomes.
• Own product initiatives across the full lifecycle, from customer discovery and business case development through design, delivery, pilot, launch and ongoing optimisation.
• Develop and enhance the company’s cross-border payment propositions, including international payment corridors, payment providers, payment networks and new payment rails.
• Help develop the company’s Digital Assets proposition, including stablecoin payments, minting and redemption, fiat/stablecoin interoperability, custody and tokenisation-related opportunities.
• Evaluate how traditional correspondent banking, payment networks and blockchain-based rails can be used individually or together to improve international payment propositions.
• Work closely with Engineering, Architecture and Business Analysis teams to translate customer and business problems into clearly defined product and technology requirements.
• Lead product discovery with existing and prospective clients to understand customer pain points, underlying use cases and future requirements.
• Evaluate potential banking, payment and digital asset partners, considering product capability, coverage, commercial model, technology integration and customer proposition.
• Build business cases and support product-level commercial management, including pricing, volumes, costs, revenue opportunities and product economics.
• Work closely with Treasury, Operations, Financial Crime, Compliance, Legal and Risk teams to ensure new propositions can operate safely and effectively within the company’s risk appetite and regulatory obligations.
• Develop appropriate operating models and ensure operational processes, controls and customer journeys are ready ahead of product launch.

Core Skills and Experience

• Strong Product Management experience within payments, banking, fintech or financial infrastructure.
• Good understanding of cross-border payments, including correspondent banking, international payment flows and the challenges associated with moving money across currencies and jurisdictions.
• Experience taking complex financial products from discovery through delivery and launch.
• Demonstrable experience working with Engineering teams in an Agile product environment.
• Strong customer-discovery skills, with the ability to turn customer problems and use cases into clear product requirements and priorities.
• Strong commercial mindset, with experience considering pricing, costs, volumes, unit economics and business cases when making product decisions.
• Ability to understand complex end-to-end payment flows and translate them into clear product, technical and operational requirements.
• Strong analytical and problem-solving skills, with the ability to structure ambiguous problems and recommend pragmatic solutions.
• Experience working across multidisciplinary teams including Engineering, Operations, Compliance, Financial Crime, Treasury, Risk and Commercial functions.
• Excellent stakeholder management and communication skills, including the ability to explain complex payment or technology concepts to both technical and non-technical audiences.
• A proactive, hands on approach with strong ownership and accountability.

A little bit more about us!

the company is Where You Can belong:

At the company we think about Diversity, Equity and Inclusion (DE&I) a lot. Not because we think we should. But because we know we should – how else can we build a happy workforce and be successful as a business. We’re committed to making sure our teams reflect society. And we put energy and effort into making this a place where everyone feels at home, where they’re given the trust and encouragement to do their very best work. Here are some of the things we’re most proud of:

• 42% of our senior management roles are held by women
• Our enhanced family leave policies
• Launching our partnership with Code First Girls
• Increasing awareness of neurodiversity in the workplace through our partnership with the Inclusive Group

Equal Opportunities

the company is committed to ensuring equal opportunities throughout every stage of the recruitment process. the company recognises that diversity is vital to the long-term success of the business in the communities and markets in which it operates. the company is also a firm believer that an inclusive culture fosters greater employee engagement and collaboration.

the company strives for diversity and inclusion of all forms, including (but not limited to): gender, age, educational and professional background, disability, gender reassignment, marital or civil partner status, pregnancy or maternity, race, colour, nationality, ethnic or national origin, religion or belief and sexual orientation.

As part of the Company’s commitment to equal employment opportunity, we provide reasonable adjustments, to candidates during the recruitment process, including to individuals with disabilities. We want to create a safe space that welcomes everyone so please let us know how we can accommodate you. In case you have any accessibility requirements you can share that with our Talent Acquisition team prior to your interview stage, if applicable.