Senior Payments Growth PM (Cross-Border & Remittance)

YTL Digital Bank Berhad (Registration No. 202201037182 (1482879-P); Malaysia; On-site; MYR 240,000 - 360,000; Full time

Job summary

Ryt Bank, Malaysia's AI-powered digital bank, is seeking a Senior Product Manager to lead payments growth and expansion across corridors and use cases with external partners. You will own merchant-driven payments, remittance, and cross-border payments end to end, from strategy through scalable operations.

Collaboration with Risk, Compliance, Fraud, Operations, Finance, Design, and Engineering is essential to ensure robust controls and a smooth customer experience while driving measurable growth

Qualifications

• 4 to 6 plus years of product management experience, with meaningful ownership in payments, remittance, cross border payments, acquiring, wallets, or large scale consumer platforms with embedded payments.
• Experience shipping payment products across both retail and business use cases, with clear examples of trade offs, execution, and measurable outcomes.
• Strong understanding of payment rails and operating mechanics, including settlement, reconciliation, refunds, disputes, and risk controls.
• Strong payment user experience sense, able to design flows that are simple, trustworthy, and resilient under real world edge cases.
• Proven ability to drive growth outcomes, with examples tied to acquisition, transaction volume, conversion, retention, and revenue.
• Strong partner management experience, including evaluation, onboarding, commercials negotiation, and joint roadmap delivery.
• Comfortable working cross functionally with Risk, Compliance, Fraud, Finance, Operations, Legal, and Engineering, and driving alignment through clear trade offs.
• Strong analytical skills, able to build business cases, pricing and margin views, and dashboards to manage performance.

Responsibilities

• Own the payments expansion roadmap across merchant driven payment use cases, remittance, and cross border payments, including corridor expansion and new use cases across both retail and business customers.
• Identify and prioritise high impact payment use cases, define the customer value proposition, and deliver an end-to-end experience that is fast, clear, and reliable.
• Define partner strategy and lead end to end partner selection, due diligence, onboarding, and ongoing performance management.
• Lead commercials and contracting, including pricing models, unit economics, incentives, and commercial governance with partners.
• Drive scheme and network requirements, ensure 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 closely with Risk, Compliance, Fraud, Operations, Finance, Design and Engineering to ensure controls are effective, scalable, and minimally disruptive to the customer experience.
• Build business cases and delivery plans for new corridors, new partners, and new payment capabilities, with clear success metrics and launch criteria.
• Run a strong growth and optimisation cadence, improve conversion and repeat usage, and lift transaction volume and revenue through product improvements, pricing, and partner levers.
• Define payment UX standards and guardrails, ensure consistency across flows, and drive reductions in payment friction, failed transactions, and support contacts.

Job description

Ryt Bank, Malaysia's AI-powered digital bank, is seeking a Senior Product Manager to lead payments growth and expansion across corridors and use cases with external partners. You will own merchant-driven payments, remittance, and cross-border payments end to end, from strategy through scalable operations.

Collaboration with Risk, Compliance, Fraud, Operations, Finance, Design, and Engineering is essential to ensure robust controls and a smooth customer experience while driving measurable growth