Senior Fintech Payments Manager - AI-Driven, Hybrid

Reap; Hong Kong; Hybrid; HKD 700,000 - 1,200,000; Full time

Benefits offered by this job

Reap Card stipend

Insurance coverage after probation

Flexible hybrid work environment

Job summary

Reap, a Hong Kong-based fintech, seeks a Product Manager for Payments to own end-to-end domain development, collaborate with engineers, compliance, and legal, and drive outcomes with clients and partners. You will shape product strategy, write precise specs, and measure success with data-driven decisions.

Ideal candidates bring 3-5 years in fintech product management, deep payments knowledge, and a strong AI-enabled workflow. This role supports a flexible hybrid setup and global collaboration.

Qualifications

• 3-5 years of product management experience in fintech, payments infrastructure, or B2B SaaS — with a track record of owning significant product domains independently.
• Deep knowledge of the payments stack — you understand payment networks, on/offramps, stablecoins use cases, FX, banking partners, and compliance as an interconnected system
• Strong grasp of regulatory and compliance requirements relevant to payment— AML, KYC/KYB, transaction screening/monitoring, and jurisdiction‑specific obligations
• Experience working with APIs end-to-end — able to read specs, evaluate integration designs, and write precise API‑level requirements
• A genuine AI power user — you have a current, active practice of using AI tools to do your job faster and better; you can show your work
• Strong written communication — your memos, specs, and strategic documents are clear, well‑structured, and stand on their own

Responsibilities

• Own a defined domain within the Payments product end-to-end — from problem definition and prioritisation through to delivery and iteration
• Develop a deep understanding of the clients, payment capabilities, and compliance requirements that shape your domain; use that knowledge to make opinionated, well‑reasoned product decisions
• Run structured discovery with clients and partners to identify gaps and validate direction before committing to build
• Proactively identify gaps, risks, and opportunities in your domain — you don't wait to be told what to work on
• Work closely with engineering, solutions architecture, compliance, and legal to drive product outcomes across your domain
• Build strong working relationships with external partners and clients to inform your product direction
• Communicate product decisions, rationale, and tradeoffs clearly to both technical and non‑technical stakeholders
• Contribute to team‑level discussions on strategy, operating model, and prioritisation — your voice shapes how the team operates, not just what it builds
• Write product specs that are precise enough for engineers to build from and clear enough for compliance and legal to validate against
• Define success metrics for your domain and use data to evaluate whether you're moving in the right direction
• Maintain a high bar for product quality — you care about the details of how something works, not just whether it shipped
• Actively use AI tooling to accelerate your own output — research, spec writing, competitive analysis, client communication, and strategic synthesis
• Help embed AI-native practices across the team; you raise the bar for what good looks like
• Identify opportunities to build AI-assisted capabilities into the product itself, not just your personal workflow

Skills

Product management

Payments stack knowledge

Regulatory & compliance

APIs end-to-end

AI power user

Written communication

Job description

Reap, a Hong Kong-based fintech, seeks a Product Manager for Payments to own end-to-end domain development, collaborate with engineers, compliance, and legal, and drive outcomes with clients and partners. You will shape product strategy, write precise specs, and measure success with data-driven decisions.

Ideal candidates bring 3-5 years in fintech product management, deep payments knowledge, and a strong AI-enabled workflow. This role supports a flexible hybrid setup and global collaboration.