Senior Product Manager, Payments API

REAP Limited; Hong Kong; Hybrid; HKD 420,000 - 780,000; Full time

Benefits offered by this job

Insurance coverage after probation

Reap Card stipend

Use of AI tools at work

Job summary

REAP Limited, a Hong Kong-based global fintech, seeks a Product Manager for Payments to own a defined payments domain and embed stablecoin-enabled capabilities into client products and platforms.

You will partner with engineering, compliance, and legal to define specs, measure success, and drive end-to-end delivery while leveraging AI tools to accelerate outputs and improve decision-making.

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 delivery and iteration
• Develop a deep understanding of clients, payment capabilities, and compliance requirements to inform product direction
• Run structured discovery with clients and partners to validate direction before building
• Proactively identify gaps, risks, and opportunities in your domain and act without waiting for direction
• Collaborate with engineering, solutions architecture, compliance, and legal to drive product outcomes
• Communicate product decisions, rationale, and tradeoffs clearly to technical and non-technical stakeholders
• Write precise product specs for engineers and validation by compliance/legal
• Define success metrics and use data to steer the domain's direction
• Maintain a high bar for product quality and usability
• Actively use AI tooling to accelerate output and embed AI-native practices across the team
• Identify opportunities to build AI-assisted capabilities into the product itself

Skills

Product management

Fintech payments

APIs

AI tooling

Regulatory compliance

Written communication

Tools

Claude

Cursor

ChatGPT

Job description

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services - from issuing Visa cards to facilitating cross-border payments.

Backed by leading investors including Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Why Reap?

The Product Manager for Payments will own a defined slice of Reap's payments infrastructure that enables clients to embed stablecoin-powered payment capabilities directly into their own products and platforms. You will operate with real ownership over your domain and be expected to bring independent judgment, push back on assumptions, and shape the roadmap alongside product leaders.

Your Mission Awaits

Domain Ownership & Strategy

• 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

Cross-Functional Leadership

• 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

Product Craft

• 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

AI-Augmented Ways of Working

• 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

Your Superpowers

• 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

Technical Capabilities

Must-Have

• Broad functional fluency across the payment stack - payment network and flows, on/offramps, stablecoins use cases, FX, and working with banking partners
• Working knowledge of payments compliance frameworks - KYC/KYB flows, fraud controls, and transaction screening/monitoring
• Ability to review API specifications at a level sufficient to make product decisions and challenge engineering proposals
• Active, demonstrated use of AI tooling (Claude, Cursor, ChatGPT, or equivalent) as a core part of your daily workflow

Nice to Have

• Experience in an embedded finance context, supporting B2B and B2C clients with payments infrastructure
• Experience building or prototyping AI-assisted internal tooling

Desired Attributes

• Independently driven - you identify what matters, form a view, and pursue it without waiting to be directed; you're a self-starter who holds themselves to a high bar
• Opinionated but intellectually honest - you bring strong views and defend them clearly, but update when you encounter better information or arguments
• Broad domain curiosity - you're as comfortable in an AML discussion as a debate about API design or payment mechanics; you connect dots others miss
• Systems thinker - you see your domain as part of a larger interconnected system and make product decisions accordingly
• High ownership, low ego - you take accountability for outcomes, elevate early when things are stuck, and don't need credit to stay motivated
• AI-native, not AI-curious - you've moved past wondering what AI can do and are actively building your own workflows, prompts, and systems around it; you find people who aren't doing this a little baffling

Why You'll Love it Here

• A high-impact role in a rapidly growing fintech startup
• Flexible hybrid work environment with a global, collaborative team
• Insurance coverage after probation
• Reap Card stipend
• Use of AI tools at work, and the space to learn, experiment, and grow with them
• A culture of innovation, inclusion, and continuous learning