Product Manager - Money Movement

Jobgether Srl; Viseu; On-site; EUR 90,000 - 140,000; Full time

Job summary

Jobgether Srl is seeking a Product Manager - Money Movement in Portugal to own the end-to-end product surface for money movement across on-ramps, off-ramps, pay-ins, and payouts. You will shape payment infrastructure, settlement, reconciliation, liquidity, and treasury operations within a growing fintech platform.

You will collaborate with Finance, Fin Ops, and banking partners to replace manual workflows with scalable systems, drive corridor economics, and define operating models.

Qualifications

• 4+ years of product management experience for Senior-level consideration, or 7+ years for Lead-level consideration.
• Proven experience shipping payment rails in fintech environments.
• Hands-on experience with payment methods such as on-ramps, off-ramps, ACH, SWIFT, wire transfers, or card acquiring.

Responsibilities

• Own the end-to-end money movement product surface across on-ramps, off-ramps, pay-ins, payouts, and infrastructure.
• Build scalable infrastructure for settlement, reconciliation, liquidity, and treasury operations.
• Define payments operating models covering settlement cycles, reconciliation cadence, and transaction processing.
• Collaborate with Finance, Fin Ops, and banking partners to replace manual processes with scalable systems.
• Analyze corridor economics and partner with PSPs/banks to optimize monetization.

Skills

Product management

Payments

Money movement

Cross-functional leadership

API & infra collaboration

Tools

SWIFT

ACH

Card acquiring

Job description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Product Manager - Money Movement based in Portugal. This role offers end-to-end ownership of the systems and experiences that enable money to move reliably across a growing financial platform. You will oversee payment rails including on-ramps, off-ramps, pay-ins, and payouts, alongside the infrastructure supporting settlement, reconciliation, liquidity, and treasury.

The position combines customer-facing product development with hands-on payments operations and financial infrastructure. You will help replace manual processes and spreadsheet-driven workflows with scalable systems and clearly defined operating models. Working closely with Finance, Fin Ops, infrastructure, and banking partners, you will shape solutions that can scale across emerging-market corridors.

The role is suited to a product leader who can balance customer experience, operational complexity, unit economics, and jurisdiction-specific requirements. Accountabilities Own the money movement product surface across on-ramps, off-ramps, pay-ins, payouts, and the underlying payment infrastructure.

Build scalable infrastructure for fund movement, settlement, reconciliation, liquidity management, and treasury operations. Establish and define payments operating models covering settlement cycles, reconciliation cadence, transaction processing, exception handling, and operational workflows. Partner closely with Finance and Fin Ops to build robust processes and systems rather than relying on manual reconciliation and undocumented knowledge.

Collaborate with the shared payments infrastructure team to ensure rail and infrastructure decisions contribute to a common money-movement and API architecture. Evaluate and adapt payment solutions across emerging-market jurisdictions, identifying which capabilities can be standardized and which require corridor-specific implementation. Manage relationships with partner banks and payment service providers, including operational and product requirements.

Analyze corridor economics, including deposit fees, FX spreads, transaction fees, and adoption incentives, to inform product and pricing decisions. Apply AI-native product development practices to accelerate execution, improve workflows, and reduce manual operational work. Work closely with retail product and infrastructure teams to align priorities, dependencies, and delivery across the broader platform.

Own the end-to-end performance and evolution of money movement capabilities, from customer-facing flows through settlement and reconciliation. Requirements 4+ years of product management experience for Senior-level consideration, or 7+ years for Lead-level consideration. Proven experience shipping payment rails in emerging-market or high-growth fintech environments. Hands-on experience with payment methods such as on-ramps, off-ramps, ACH, SWIFT, wire transfers, or card acquiring.

Experience managing payment products across multiple PSPs or banking partners simultaneously. Strong understanding of settlement, reconciliation, treasury, liquidity, transaction processing, and payment operations. Comfortable combining customer-facing product ownership with operational and financial infrastructure responsibilities. Ability to analyze corridor unit economics, including deposit fees, FX spreads, transaction fees, and the trade-offs involved in subsidizing adoption.

Direct experience negotiating or managing relationships with partner banks or PSPs. Strong understanding of emerging-market banking environments, including jurisdiction-specific restrictions, pricing structures, and regulatory constraints. Ability to distinguish scalable shared infrastructure from capabilities that need to be adapted or rebuilt for individual payment corridors. Experience with stablecoin or crypto payment rails, multi-currency treasury, or emerging-market banking is a strong advantage.

Strong cross-functional communication and stakeholder management skills. Comfortable working in an AI-enabled, high-ownership environment where speed, experimentation, and operational discipline are valued.

Top-of-market compensation for the relevant geography. Direct collaboration with core retail product and shared infrastructure teams. Opportunity to own a critical end-to-end money movement product surface. High-impact role focused on building payment infrastructure and operations from the ground up. Exposure to emerging-market payment corridors and complex financial infrastructure. AI-native working environment designed to accelerate product development and execution.