Product Manager, Payment

Responsible for the planning, optimization, and innovation of our core payment product line. You will need to deeply understand the pain points of merchants and users during the payment process. Through refined product design and the application of advanced technology, you will enhance payment success rates, system stability, and commercial value. You will work closely with R&D, Operations, Risk Control, Marketing, and Finance teams to create a top-tier payment experience in the industry.

• Responsible for the long-term planning and short-term iterations of payment products (such as gateway, acquisition, accounts, fund processing modules), and developing the product roadmap.
• Continuously conduct competitive analysis, market research, and user studies to identify innovation opportunities, and lead the proof-of-concept and implementation of new features.
• Write clear and detailed Product Requirement Documents (PRDs), collaborate with designers to complete user experience design, ensuring the feasibility, security, and user experience of product solutions.
• Focus on core payment processes, including but not limited to: account setup and onboarding, payment routing, transaction processing, clearing and reconciliation, and error handling.
• Collaborate with the Risk Control team to embed transaction risk controls and compliance requirements into the product design, balancing user experience with business security.
• Work with Operations, Marketing, and Sales teams to provide product support and jointly drive product commercialization and customer growth.
• Define and monitor core product metrics, drive product decisions through data, and continuously optimize product performance and commercial benefits.

Requirements

• Bachelor's degree or higher in Computer Science, Financial Engineering, or a related field.
• 3+ years of product experience in the payment domain, familiar with the integration and operational mechanisms of mainstream domestic and international payment channels and stablecoin payments.
• Proficient in core payment business processes, including acquisition, clearing and settlement, routing, and error handling.
• Strong logical analysis, data analysis, and problem-solving skills, with the ability to independently manage complex product modules.
• Excellent communication, collaboration, and project management skills, capable of efficiently coordinating multiple teams to achieve common goals.
• Deep understanding of payment industry regulations, security standards, and personal information protection laws.
• Understanding of high-availability, high-concurrency, and distributed system architectures, enabling effective communication with technical teams.
• Keen insight into user experience, committed to providing a secure, smooth, and simple payment process for users.
• Possess cost and revenue awareness, able to plan and evaluate product features from a commercial perspective.