Principal Payments Product Manager

About Payoneer
Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world's underserved businesses to a rising global economy. We're a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

**Location: Madrid,Spain

Hybrid

Full-time
Role Summary
We are seeking a highly experienced and strategic
Payments Product Manager**
to join our team, focusing on the critical and evolving Money Movement domain. In this pivotal role, you will be instrumental in identifying, developing, and driving strategic opportunities for our global money movement capabilities, shaping the future of how businesses send, receive, and manage funds internationally. This is a unique opportunity to operate at a strategic level, influencing our product roadmap and capabilities across various teams and regions, and directly contributing to our growing business.

What You'll Do

• Global Money Movement Strategy: Define and lead the strategic vision, roadmap, and OKRs for our global money movement initiatives, identifying unmet needs, market shifts, and competitive opportunities.
• Opportunity Identification & Incubation: Work extensively with internal and external stakeholders (e.g., business development, sales, risk, compliance, regional product teams, financial partners, industry experts) to uncover and evaluate new money movement opportunities and use cases across diverse geographies and customer segments.
• Strategic Initiative Leadership: Drive the end-to-end lifecycle of strategic money movement initiatives from ideation and detailed problem definition to strategic solutioning, stakeholder alignment, and successful handoff to development teams.
• Cross-Functional Influence & Alignment: Act as a central orchestrator, fostering seamless collaboration and alignment across global product teams, engineering, design, legal, compliance, operations, and go-to-market functions to ensure cohesive execution of money movement strategies.
• Market & Competitive Intelligence: Maintain a deep understanding of the global payments landscape, including emerging trends, regulatory changes, and competitor strategies leveraging insights to inform our strategic direction.
• Complex Problem Solving: Tackle highly ambiguous and complex problems within global money movement, breaking them down into actionable insights and strategic product directions.
• Data-Driven Decision Making: Champion a data-centric approach, utilizing market research, user insights, and business metrics to validate hypotheses, prioritize initiatives, and measure the impact of strategic decisions.
• Thought Leadership: Represent the Money Movement domain internally and externally, articulating the value proposition and strategic direction to senior leadership, partners, and the broader industry.

Who You Are

• 9+ years of proven product management experience, with a significant focus on global payments, cross-border money movement, or related fintech domains
• Demonstrated track record of defining and driving strategic product initiatives from conception through successful execution in a fast-paced, global environment
• Proven track record of working with banks and financial institutions to design and deliver value-added services, establish strategic partnerships, and drive collaborative product development initiatives
• Deep technical understanding of complex financial systems, global payment networks, banking core systems, and regulatory frameworks impacting money movement (e.g., real-time payments, international wires, local payment methods)
• Exceptional strategic thinking and analytical skills, with the ability to identify complex problems, synthesize information, and formulate clear, actionable strategies
• Strong ability to influence and lead without direct authority, fostering collaboration and alignment across diverse cross-functional teams and senior stakeholders
• Excellent communication, presentation, and storytelling skills, capable of articulating complex product strategies to both technical and non-technical audiences
• Comfortable operating in an environment of uncertainty and ambiguity, with a proactive and self-driven approach to identifying and pursuing opportunities
• Experience in conducting market research, competitive analysis, and identifying strategic partnership opportunities within the payments ecosystem
• Bachelor's degree in Engineering, Economics, Finance, Accounting, or a related field; MBA or advanced degree a plus

Not a Must, But a Great Advantage

• Experience with financial crime, fraud, and compliance considerations within money movement.
• Background in managing or leading product managers, or significant mentorship experience.
• Familiarity with product discovery methodologies and frameworks for strategic innovation.

The Payoneer Ways of Working
Act as our customer's partner on the inside
Learning what they need and creating what will help them go further.
Do it. Own it.
Being fearlessly accountable in everything we do.
Continuously improve
Always striving for a higher standard than our last.
Build Each Other Up
Helping each other grow, as professionals and people.
If this sounds like a business, a community, and a mission you want to be part of, apply today.

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.