Product Manager, Banco (Consumer App)

Papaya Global; Kraków; On-site; PLN 180,000 - 240,000; Full time

Job summary

Papaya Global is building a consumer-grade fintech product for global payroll and payments, including wallet, card issuing, KYC/onboarding, and withdrawals. You will own the Banco consumer experience end to end, ensuring fast, reliable, and scalable performance across web and mobile.

You will lead a squad with design, analytics, and engineering to raise quality, activation and retention for workers onboarded by our enterprise customers, and you will localize the experience across 160+ countries.

Qualifications

• Experience with consumer-grade fintech or wallet/card issuing apps.
• Strong mobile-first UX instincts focusing on funnels, activation and retention.
• Deep understanding of payments, KYC/AML, payout rails and money movement.
• Ability to quote baselines, interventions and results with metric weaknesses.
• Appreciation for correctness in money-related flows and payouts.
• Ability to tell product stories in first person and justify decisions.
• Experience using AI daily in product work and evaluating AI features.

Responsibilities

• Own the end-to-end Banco consumer experience: onboarding, identity verification (KYC), multi-currency wallet, card issuing (virtual/physical), and withdrawals across web and mobile.
• Drive activation and retention by converting invited workers into active, paid users and reducing onboarding drop-off.
• Improve reliability and quality to reduce errors, support tickets, and friction so paying users have a smooth experience.
• Scale localization to 160+ countries, supporting multiple payout rails, banking conventions, and languages.
• Shape the consumer data model (addresses, bank accounts, identity) to power smart UX.

Skills

Consumer product experience

Mobile-first UX

Payments/fintech depth

Metrics fluency

Money movement correctness

Individual ownership

Practical AI fluency

Job description

Papaya Global is a rapidly growing, award‑winning B2B tech unicorn with an ambitious mission to revolutionize the payroll & payments industry. With over $400M raised from multiple tier‑one investors, our innovative technology provides a comprehensive solution for managing global workforces, encompassing everything from hiring and onboarding to managing and paying employees in over 160 countries.

We’re looking for a Product Manager to own the Banco consumer experience end to end. This is a rare seat: a genuinely consumer‑grade fintech product – wallet, card issuing, KYC/onboarding, withdrawals – that reaches a global, mass user base, but distributed through enterprise customers rather than paid acquisition. You will own the roadmap, priorities, and execution for the app workers touch every time they get paid, and you will be accountable for making that experience fast, reliable, and effortless at scale.

You will report to the Director of Product leading the Payments applicative group and work in a squad model – a dedicated design, analytics, and engineering team – with a mandate to raise the quality bar of the app while growing activation and retention among the workers our customers onboard.

What You’ll Own

The end‑to‑end Banco consumer experience: onboarding and identity verification (KYC), the multi‑currency wallet, card issuing (virtual and physical), and withdrawals to bank and stablecoin – across web and mobile.

Activation and retention: turning invited workers into active, paid, engaged users; reducing drop‑off across onboarding and first‑payout funnels.

Reliability and quality: driving down errors, support tickets, and friction so that “I got paid” is boring and dependable.

Localization at scale: making the experience feel native across 160+ countries and dozens of payout rails, banking conventions, and languages.

The consumer data model: real objects (addresses, bank accounts, identity) that power smart UX – IBAN to bank lookup, zip to address autofill, one‑time data entry instead of repeated forms.

Requirements

• Consumer product experience. You have owned a B2C or consumer‑grade app – ideally in fintech, neobanking, payments, wallets, or gig‑economy payouts – where the user is an individual, not a business, and the bar is “make it effortless.” This is the core requirement for this role.
• Mobile‑first UX instinct. You think in funnels, activation, and retention, and you have measurably improved onboarding or engagement in a consumer app.
• Payments or fintech depth. You understand money movement – wallets, cards, KYC/AML, payout rails – or you have shown you can master a complex, regulated domain fast.
• Metrics fluency. You quote baseline to intervention to result numbers, know how each metric was measured, and know its weaknesses.
• Correctness instinct for money. You grasp that in money movement a wrong payout costs far more than a blocked one, and you design for that asymmetry.
• Individual ownership. You can tell at least one product story entirely in “I” terms – the decision you personally made, the alternative you rejected, and what happened.
• Practical AI fluency (2026 bar). You use AI daily in your own product work and can describe last week’s usage concretely; bonus if you have shipped AI features and understand evals, failure modes, and human‑in‑the‑loop.

Nice to have

• Cross‑border / multi‑currency payments, card issuing, or KYC‑provider integration experience.
• Experience taking a consumer app from early/unstable to reliable at scale.
• Experience in both a large PM org and a scrappy, 0 to 1 environment.
• Hands‑on building – you ship small things without waiting for engineers.