Careers
Senior Product Manager, Fiat Payment
NEWJob Description
You'll own and scale Transak's fiat payments experience across North America and LATAM, focusing on ACH/bank transfers, cards, and local alternative payment methods (APMs). You'll be accountable for improving payment success rate, time-to-funds, cost per successful transaction, dispute/return rates, settlement & reconciliation performance, and partner experience across the Americas. You'll work closely with Engineering, Risk, Compliance, Finance, Ops, and Partnerships to build resilient, compliant, high-throughput money movement across multiple rails. You'll define the multi-rail strategy, set KPIs, write detailed PRDs, lead agile execution, and drive reliability improvements. You'll own end-to-end ACH experiences, improve card authorization and payment success, expand local APM coverage in the Americas, and collaborate with Compliance/Legal and Partnerships to ensure regional readiness and smooth partner onboarding.
Requirements
- ā8ā10+ years in product management or strong engineering-to-PM background, ideally in payments, fintech infrastructure, or money movement
- āExperience owning products across bank transfers (ACH), cards, and/or local APMs, including settlement and reconciliation
- āStrong technical fluency with APIs, webhooks, payment state machines, ledgers, idempotency, retries, and observability
- āData-driven mindset with comfort in SQL/analytics
- āStrong cross-functional leadership across Engineering, Risk, Compliance, Finance, Ops, and Partnerships
- āExperience operating in Americas markets (US/Canada and/or LATAM) and navigating regulated environments
Responsibilities
- āOwn the global fiat payments roadmap end-to-end across ACH/bank rails, cards, and other local bank transfer and APMs
- āDefine the multi-rail strategy for routing users to ACH vs card vs APM based on conversion, cost, risk, speed, and availability
- āSet and manage KPIs across rails including authorization rate, time-to-funds, cost per successful payment, and dispute/chargeback rate
- āPrioritize roadmap work through data, user feedback, and partner insights
- āDefine quarterly product strategy
- āInterface with customers to deliver new improvements, features, and products
- āWrite detailed PRDs and drive alignment across Engineering, Design, Risk, Compliance, Finance, Operations, and Partnerships
- āLead agile execution and ship iteratively
- āDrive reliability improvements using incident learnings
- āOwn end-to-end ACH experiences including bank linking/verification and exception handling
- āImprove time-to-funds and reduce drop-offs with clearer UX and better payment state tracking
- āBuild scalable flows for returns, exceptions, and NOCs
- āPartner with Finance/Ops on settlement, reconciliation, and reporting pipelines
- āImprove card authorization and payment success through decline reason normalization and routing
- āCollaborate with Risk on fraud and disputes strategies
- āMonitor provider performance and optimize for reliability and cost
- āExpand and optimize local APM coverage in the Americas
- āOwn method-level UX and operational readiness for APMs
- āStandardize the integration surface across APMs
- āPartner with BD/Partnerships to source, onboard, and scale APM providers
- āWork with Compliance/Legal to ensure regional readiness for each rail
- āCollaborate with Partnerships on processor/bank/APM onboarding and partner escalations
- āCommunicate progress, risks, and tradeoffs to leadership
- āImprove developer and partner UX including API ergonomics and documentation