Product Manager – Remittances

Mama Money; Cape Town; On-site; ZAR 600 000 - 800 000; Full time

Job summary

A fintech company based in Cape Town is seeking a Remittances Product Manager to define and drive the product strategy for their money transfer ecosystem. You will collaborate with cross-functional teams to enhance customer onboarding and transaction reliability. The ideal candidate has over 6 years of product management experience, particularly in fintech or payments, with a strong focus on user experience and compliance. Join a dynamic team committed to making a difference and improving lives through financial solutions.

Qualifications

• 6+ years of product management experience in remittances or fintech.
• Strong understanding of compliance frameworks and money transfer flows.
• Ability to translate business needs into clear technical requirements.

Responsibilities

• Define and drive product vision and strategy.
• Collaborate with design and engineering teams on user experience.
• Lead development of features to improve transaction success rates.

Skills

Product management experience

Payments infrastructure

Data analysis

Strong communication skills

Job description

Who we are:

Mama Money is a growth stage fintech startup working to help migrant workers in South Africa send money home. Since 2015 we have been providing reliable remittances, at a socially fair price, to those that need it most.

Mama HQ is in beautiful Cape Town, South Africa. We are 131 people strong (and counting) from 19 countries across Africa, Asia, the UK, and Europe. Our culture is built around the well‑being of our team members and making a difference in our communities. “Just be lekker!” personifies our approach to work: we trust the wisdom of our talented and diverse team to do what is best for our customers and get the job done responsibly, without pedantic policies.

We’ve been around since 2015 and have earned a few accolades along the way, made some new friends, and expanded our reach. We've had some great times and some tough times but we continue to focus on helping people rather than maximizing profit.

As our Remittances Product Manager, you will:

• Product Strategy and Roadmap: Define and drive the product vision, strategy, and roadmap for Mama Money's cross border remittance ecosystem.
• Lead the development of features that improve customer onboarding, transaction success rates, payout speed, and transfer reliability.
• Identify opportunities to expand into new corridors, partners, and payout methods while ensuring strong product market fit in each region.
• User Experience and Design: Partner with designers and front end engineers to build a fast, intuitive, and trustworthy remittance experience across mobile and web.
• Reduce friction in the send flow through UX improvements, clearer communication, and simplified compliance steps.
• Payments, Payouts and Infrastructure: Work with back end engineers and payment specialists to build scalable, resilient money movement infrastructure.
• Improve integration with banks, mobile money operators, cash out partners, and global payout networks.
• Ensure systems meet regulatory, risk, and compliance requirements across all markets.
• Cross Team Collaboration: Collaborate with compliance and risk teams to implement seamless, compliant KYC and transaction monitoring processes.
• Partner with operations, support, and marketing teams to monitor corridor performance and drive customer adoption.
• Work with the data team to identify root causes of failed or delayed transfers and deliver solutions that improve success rates.
• Data Driven Decision Making: Analyse customer behaviour, funnel performance, and transaction lifecycle data to guide product decisions.
• Use AB testing, customer feedback, and market insights to continuously optimise conversion and retention.
• Market Research and Benchmarking: Stay informed about international remittance trends, competitor offerings, pricing structures, payout innovations, and customer needs.
• Benchmark Mama Money's remittance product against global leaders to ensure we remain competitive, affordable, and reliable.

What we’re looking for:

• 6 years plus of product management experience, ideally in remittances, payments, fintech, mobile money, or cross border money movement.
• Experience working across both front end and back end product development.
• Strong understanding of payments infrastructure, money transfer flows, settlement processes, and compliance frameworks.
• Ability to translate business, regulatory, and customer needs into clear technical requirements.
• A data driven mindset with experience using analytics tools to inform prioritisation and decision making.
• Excellent communication skills and the ability to collaborate effectively across technical and non technical teams.
• Prior experience in high growth, customer focused tech environments.

In your first 90 days at Mama Money you will:

• Get to know the ins and outs of our remittance business, including how send flows, payout partners, and internal systems work together.
• Understand Mama Money's mission, values, and long term product goals.
• Dive into current projects, performance metrics, and known challenges. Identify opportunities for optimisation.
• Work closely with the Tech Team to align on quarterly priorities and integration timelines.
• Build relationships with key external payout partners, banks, and service providers.
• Review current corridor performance and propose initial initiatives to improve success rates and customer experience.
• It would be a bonus if: You have worked within the fintech space or at a rapidly scaling startup.

Why Mama?

At Mama Money, we’re not just a company—we’re a movement. Everything we do is driven by one purpose: to make life better for our customers and the communities we serve. Our customers are our heartbeat, and they inspire every step we take.

We’re all about making it easy. No red tape, no hassle. Just simple, seamless experiences that put people first, we’re here to make things easier, faster, and better for you.

We believe in giving it a go—and then giving it another go if we have to! We're a team of doers, dreamers, and innovators who aren't afraid to break the mold. We take bold steps, experiment with fresh ideas, and never stop learning.

At Mama Money, we own it—and we mean it. We take responsibility for our actions, our results, and how we show up every day. No passing the buck here. We approach every challenge with grit, passion, and determination.

Here’s the best part: Mama Money is a place that truly cares. We care about the trust our customers place in us. We care about our amazing team who bring their best every day. And we care about making an impact in the world, doing the right thing no matter what.

When you join Mama Money, you’re joining a community. We’re a passionate, down‑to‑earth crew that works hard and celebrates wins along the way. We take our work seriously, but we don’t forget to have fun while we do it.

So, if you’re ready to make a real difference, take on exciting challenges, and grow in a place where you’re valued and supported, then Mama Money is the place for you. Let’s make an impact—together.

Mama’s values:

• Making it easier for our customers
• Give it a go
• Just own it