Product Director - Payment & Banking

Medium; Singapore; On-site; SGD 150,000 - 250,000; Full time

Job summary

A technology company in Singapore seeks a seasoned Product Director to lead product initiatives in managing cross-border payment infrastructure. Responsibilities include owning product strategies, negotiating bank partnerships, and optimizing payment acceptance rates. Ideal candidates will have over 10 years of experience and a deep understanding of US banking regulations. This role offers an opportunity to shape an industry-changing platform that enhances money movement for users.

Qualifications

• Minimum of 10+ years of product leadership experience.
• Proven experience in payment rail selection and integration.
• Good understanding of technical APIs and their user impact.

Responsibilities

• Own and manage product initiatives in the Cash team.
• Lead negotiations for bank partnerships and integrations.
• Design payment routing engines based on user needs.

Skills

Product leadership

Cross-border payment infrastructure

Technical API understanding

Data-informed work style

Strong stakeholder management

Job description

Our Product Management team drives product initiatives from inception through execution, launching products/features across our global footprint. We collaborate closely with engineers, designers, analysts, marketers, and other cross‑functional team members to ship remarkable features and products.

About the role

The Cash team deals with money movement and transfers. We work with banks, fintechs, wallets to enable our users to move money seamlessly into and out of our platform.

We are looking for a seasoned and hands‑on Product Director who has the vision, drive, and ability to own, create, implement and manage an industry‑changing platform that helps change the way users deal with money.

This role in particular is focused on US partners and hence an in‑depth understanding of US banking regulations and practices is a huge advantage.

Job Responsibilities

• Liquidity and Settlement: Expert understanding of Treasury Product; specifically how to structure banking partnerships to ensure zero, or near‑zero, downtime liquidity for mass user pay‑outs and instant trading activities.
• High‑Acceptance Rate Focus: Demonstrated ability to significantly increase transaction acceptance rates across credit card, debit card, and bank transfer pay‑ins by optimizing processor relationships, fraud rules, and regulatory compliance checks.
• Strategic Bank Partnership: Leading commercial negotiations and technical integrations for direct bank relationships (not just white‑label partners) to secure preferential rates, dedicated service levels, and custom solutions required by trading businesses.
• Payment Orchestration & Routing: Experience in designing the logic for a dynamic routing engine that instantly selects the best rail based on user segment, jurisdiction, currency, speed requirement, and risk profile.
• Institutional On‑Ramp: Experience in scalable fiat payment solutions tailored for institutional clients (e.g., dedicated segregated bank accounts, high‑value wire processing, bulk pay‑out APIs).
• Key Success Metrics: 1) Time-to‑Fund/Time-to‑Withdrawal (reducing latency), 2) Pay‑in acceptance rates (driving higher funding success) and 3) Cost‑per‑Transaction (optimizing margins)

Job Requirements

• Minimum of 10+ years of product leadership focused on building and optimizing cross‑border payment infrastructure.
• Less experience candidates can be considered as Principal/Lead.
• Proven experience in selecting and integrating payment rails based on transaction speed (T+0 vs. T+1) to meet the needs of instant trading.
• Good aptitude for understanding technical APIs and translating them to how they impact user stories is preferred.
• A data‑informed work style, viewed through a compassionate lens of the user.
• A passion for building delightful customer‑facing products and experiences.
• Strong work ethic and willingness to go the extra mile to meet tight delivery timelines and goals where necessary.
• Ability to manage C‑level stakeholders and clearly articulate prioritization decisions and considerations.
• Demonstrated leadership, taking ownership and producing results.
• The ability to collaborate well with designers, engineers, QA, Marketing, compliance, growth.
• Bring humility to your work and how you work with others.