Payment Product Manager (Fiat)

Binance; Hong Kong; Remote; HKD 900,000 - 1,500,000; Full time

Benefits offered by this job

Remote-first policy

Competitive compensation

Career growth opportunities

Job summary

Binance is seeking a senior product manager to own the payment middle platform, order system, and clearing module for global markets including Europe and Latin America. You will drive the roadmap, lead backend-focused development, and ensure scalable multi-region architectures in a fast-paced fintech environment.

Collaborate with engineering, risk, compliance, and finance to design settlement, reconciliation, and fund-flow systems.

Qualifications

• 6–10+ years of product management experience in payments or fintech.
• Strong experience with payment systems, orchestration, and backend platforms.
• Data-driven decision making with metrics.
• Ability to manage cross-functional, global projects.

Responsibilities

• Responsible for the product design and iteration of the payment middle platform, order system, and clearing module for Europe and Latin America; lead as main owner of core payment infrastructure product line.
• Drive the roadmap and execution for the global fiat payment platform, focusing on backend capabilities.
• Lead lifecycle management for orders: creation, status, timeout, reconciliation.
• Design the clearing system: settlement schemes, multi-currency rules, error handling.
• Recommend integration strategy for global payment channels; ensure scalable integration frameworks.
• Build and optimize core system modules: lifecycle management, latency reduction, failure handling.
• Partner with engineering, risk, compliance, finance to design robust settlement and fund-flow systems.
• Drive platform-wide improvements for global scalability: multi-region architecture, localization frameworks.
• Define and monitor key metrics and optimize via data and experimentation.
• Collaborate with internal product teams to ensure seamless payment capabilities across ecosystem.
• Act as an individual contributor driving end-to-end execution in a complex environment.

Skills

Product management

Payments domain knowledge

Data-driven decisions

Cross-functional leadership

Tools

APIs design

Job description

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, and more. Our mission is to increase the freedom of money and financial access for people around the world.

Responsibilities

• Responsible for the product design and iteration of the company's payment middle platform, order system, and clearing module in Europe and Latin America, serving as the main person in charge of the company's core payment infrastructure product line.
• Drive the product development roadmap, and execution for the global fiat payment platform, focusing on backend capabilities.
• Lead the design of the full lifecycle management system for orders: order creation, status transition, timeout handling, and reconciliation closed loop.
• Design the clearing system: T+0/T+1 settlement schemes, multi-currency reconciliation rules, error handling, and fund verification.
• Recommend integration strategy for global payment channels (PSPs, bank rails, local payment methods), ensuring scalable and standardized integration frameworks.
• Build and optimize core system modules, including transaction lifecycle management, success rate optimization, latency reduction, and failure handling.
• Partner with engineering, risk, compliance, and finance teams to design robust systems for settlement, reconciliation, and fund flow management.
• Drive platform-level improvements to support global scalability, including multi-region architecture, localization frameworks, and system abstraction.
• Define and monitor key system metrics (e.g., success rate, latency, reliability), and drive continuous optimization through data and experimentation.
• Collaborate with internal product teams (e.g., wallet, account, growth infrastructure) to ensure seamless integration of payment capabilities across the ecosystem.
• Act as a strong individual contributor, proactively identifying system gaps and driving end-to-end execution in a complex environment.

Requirements

• 6–10+ years of product management experience, preferably in payments, fintech, or platform/infrastructure products.
• Strong experience in payment systems such as payment orchestration, transaction platforms, or cashier/back-end payment systems.
• Deep understanding of payment lifecycle, including routing, retries, success rate optimization, and failure handling.
• Familiarity with backend system design and APIs; comfortable working closely with engineering teams on system architecture.
• Strong analytical and data-driven mindset, with experience using metrics to guide product decisions.
• Proven ability to manage complex, cross-functional projects in a global or multi-region environment.
• Strong ownership, structured thinking, and ability to operate independently in a fast-paced environment.

Nice to Have

• Experience with global payment methods and bank rails (e.g. ACH, SEPA, FPS, PIX, UPI) or large-scale PSP integrations.
• Understanding of settlement, reconciliation, ledger systems, or fund flow design.
• Familiar with settlement models (gross/net), T+N clearing cycles, and foreign exchange processing logic.
• Experience in transaction platforms, wallet systems, or payment infrastructure.
• Exposure to Web3 / crypto / exchange products, or strong interest in the space.
• Experience working on high-throughput, high-reliability backend systems.

Why Binance

• Shape the future of finance
• Collaborate with world‑class talent in a user‑centric global organization with a flat structure
• Tackle challenging projects in a fast‑paced and innovative enviornment with autonomy
• Thrive in a results‑driven workplace with opportunities for career growth and continuous learning
• Competitive salary and company benefits
• Remote‑first, work‑from‑home arrangement (may vary depending on the nature of the role and team)

Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success.

By submitting a job application, you acknowledge that you have read our Candidate Privacy Notice.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.