Payments Growth & Cross-Border Lead

Ryt Bank; Kuala Lumpur; On-site; MYR 180,000 - 300,000; Full time

Job summary

Ryt Bank is seeking a Senior Product Manager to lead payments growth and expansion, bringing new capabilities to market across corridors, use cases, and external partners. You will own merchant-driven payments, remittance, and cross-border payments end-to-end, delivering measurable growth while balancing risk and compliance.

You will collaborate with Risk, Compliance, Fraud, Operations, Finance, Design and Engineering to ensure scalable controls and an optimal customer experience.

Qualifications

• 4 to 6+ years of product management experience in payments, remittance, or cross-border payments across retail and business platforms.
• Experience shipping payment products with measurable outcomes in acquisition, volume, conversion, and revenue.
• Strong understanding of payment rails, settlement, refunds, disputes, and risk controls.
• Proven ability to drive growth - acquisition, transaction volume, conversion, retention, and revenue.
• Strong partner management including onboarding, commercials negotiation, and joint roadmap delivery.
• Comfortable working cross-functionally with Risk, Compliance, Fraud, Finance, Operations, Legal, and Engineering.
• Analytical mindset with ability to build business cases, pricing, margin views, and performance dashboards.
• Experience launching cross-border payments in corridors or scaling merchant-driven use cases.

Responsibilities

• Own the payments expansion roadmap across merchant use cases, remittance, and cross-border payments, including corridor expansion and new use cases for retail and business customers.
• Identify and prioritise high-impact payment use cases, define the customer value proposition, and deliver end-to-end experiences that are fast, clear, and reliable.
• Lead end-to-end partner selection, onboarding, and ongoing performance management.
• Lead commercials and contracting, including pricing models, unit economics, incentives, and governance with partners.
• Drive scheme and network requirements, ensuring readiness across compliance, operational, and technical obligations, and manage delivery milestones.
• Design and operationalise the operating model, including settlement, reconciliation, refunds, disputes, and exception handling with clear ownership across teams.
• Work with Risk, Compliance, Fraud, Operations, Finance, Design and Engineering to ensure controls are effective and scalable.
• Build business cases and delivery plans for new corridors, partners, and payment capabilities with clear success metrics and launch criteria.
• Run growth and optimisation cadences to improve conversion, repeat usage, and revenue through product improvements and partner levers.
• Define payment UX standards and guardrails to ensure consistency and reduce friction, failed transactions, and support contacts.
• Nice to have: experience launching cross-border payments in specific corridors and familiarity with scheme requirements and network certifications.

Job description

Ryt Bank is seeking a Senior Product Manager to lead payments growth and expansion, bringing new capabilities to market across corridors, use cases, and external partners. You will own merchant-driven payments, remittance, and cross-border payments end-to-end, delivering measurable growth while balancing risk and compliance.

You will collaborate with Risk, Compliance, Fraud, Operations, Finance, Design and Engineering to ensure scalable controls and an optimal customer experience.