Senior Product Manager, Fiat Payment

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.

Responsibilities

• Own the global fiat payments roadmap end-to-end across ACH/bank rails, cards, and other local bank transfer and APMs
• Define the multi-rail strategy for routing users to ACH vs card vs APM based on conversion, cost, risk, speed, and availability
• Set and manage KPIs across rails including authorization rate, time-to-funds, cost per successful payment, and dispute/chargeback rate
• Prioritize roadmap work through data, user feedback, and partner insights
• Define quarterly product strategy
• Interface with customers to deliver new improvements, features, and products
• Write detailed PRDs and drive alignment across Engineering, Design, Risk, Compliance, Finance, Operations, and Partnerships
• Lead agile execution and ship iteratively
• Drive reliability improvements using incident learnings
• Own end-to-end ACH experiences including bank linking/verification and exception handling
• Improve time-to-funds and reduce drop-offs with clearer UX and better payment state tracking
• Build scalable flows for returns, exceptions, and NOCs
• Partner with Finance/Ops on settlement, reconciliation, and reporting pipelines
• Improve card authorization and payment success through decline reason normalization and routing
• Collaborate with Risk on fraud and disputes strategies
• Monitor provider performance and optimize for reliability and cost
• Expand and optimize local APM coverage in the Americas
• Own method-level UX and operational readiness for APMs
• Standardize the integration surface across APMs
• Partner with BD/Partnerships to source, onboard, and scale APM providers
• Work with Compliance/Legal to ensure regional readiness for each rail
• Collaborate with Partnerships on processor/bank/APM onboarding and partner escalations
• Communicate progress, risks, and tradeoffs to leadership
• Improve developer and partner UX including API ergonomics and documentation

Requirements

• 8–10+ years in product management or strong engineering-to-PM background, ideally in payments, fintech infrastructure, or money movement
• Experience owning products across bank transfers (ACH), cards, and/or local APMs, including settlement and reconciliation
• Strong technical fluency with APIs, webhooks, payment state machines, ledgers, idempotency, retries, and observability
• Data-driven mindset with comfort in SQL/analytics
• Strong cross-functional leadership across Engineering, Risk, Compliance, Finance, Ops, and Partnerships
• Experience operating in Americas markets (US/Canada and/or LATAM) and navigating regulated environments