Product Manager - Payments (Bank, PSP integrations)

About us

Yellow Card is the largest and first licensed stablecoin-based infrastructure provider, operating in 20 African countries and the emerging markets. Our mission is to empower businesses of all sizes, making it easier for them to make international payments, protect their financial assets, manage their treasury function, and access hard currency liquidity.

We are creating “financial infrastructure that works”, disrupting the financial services industry by offering innovative solutions designed to meet the distinct needs of – and real-world challenges faced on a daily basis by – our customers. Leveraging the power of stablecoins pegged 1:1 to the U.S. dollar (e.g., USDC, USDT, and PYUSD), we deliver our innovative solutions through our commercial trading function, our B2B products (i.e., our Payments API & Treasury Portal).

About the Role

We are seeking a Senior Product Manager to drive the delivery of bank connectivity initiatives across global payment rails. This role is execution-focused and works closely with our engineering, treasury, and payments teams.

You will work hands-on with engineering to deliver SWIFT and API-based integrations to partner banks and PSPs, ensuring complete lifecycle coverage from payment initiation through settlement, status reporting, exceptions, and reconciliation. You will also work on defining the pricing strategy.

Key Responsibilities

End-to-End Bank Integration Delivery

• Lead delivery of Cross-Border, regional and domestic rail integrations via API, SWIFT and host-to-host
• Translate bank specifications into detailed product & engineering requirements and delivery plans.
• Drive integration testing, certification, and production go-live.
• Manage post-integration lifecycle.
• Define integration success metrics (e.g., reliability, reconciliation accuracy, SLA adherence, operational efficiency).
• Standardize reusable integration patterns to reduce duplication and accelerate future bank onboarding. 

Pricing Framework

• Facilitate building a pricing framework and constantly evolve the model based on business needs
• Conduct regular market research, analyze competitor pricing, and assess market elasticity to maintain competitive advantage
• Collaborate with finance and treasury teams to model the P&L and margin implications of various pricing scenarios and packaging updates

Embedded Technical Collaboration

• Define the business logic and system capabilities required to support full payment lifecycles, ensuring engineering understands how to handle acknowledgments, status reporting, and exceptions.
• Translate dense bank integration documentation into functional product requirements, clear user stories, and logic maps that define how money should move
• Manage risks and delivery timelines across time zones.

Full Payment Lifecycle & Exception Handling

• Ensure complete lifecycle coverage including acknowledgements, status reporting, returns, and reconciliation.
• Design, deliver and validate robust handling of unhappy paths and operational edge cases.
• Anticipate failure modes across distributed systems (e.g., delayed acknowledgements, duplicate messages, reconciliation breaks).
• Design integrations with strong principles of idempotency, auditability, and operational observability.

Required Experience & Skills

• 5+ years of experience in payments product management or delivery.
• Experience delivering API-based bank integrations and host-to-host integrations.
• Knowledge of SWIFT/ISO20022 
• Experience with Cross-Border payments and understanding how money moves 
• Strong ability to work embedded within engineering teams and with globally distributed teams.
• Experience working within cross-functional teams in Agile environments, working with Engineering, Compliance, Risk, and Operations.
• Proven ability to drive internal platform optimization, automation, and operational tooling.

Additional Qualities We Value:

• Demonstrated ownership mindset with the ability to make independent product decisions.
• Strong systems thinking and ability to reason about distributed payment workflows and state transitions.
• Experience defining and tracking outcome-based metrics (e.g., integration SLA performance, exception rates, operational cost per integration).
• Ability to challenge stakeholders constructively and influence cross-functional partners.
• Comfortably operates in ambiguity while maintaining execution rigor.

What We Offer

• Impactful and Purposeful Work: You will be helping to drive financial inclusion across Africa.
• Remote-First Flexibility: We embrace a fully remote work environment.
• Global & Diverse Team: You will have the opportunity to work with talented professionals from 25+ countries across the world, in a multicultural and collaborative environment.
• Learning & Development: Access to resources, support, and autonomy to grow professionally.
• Mental Health Support Services: Your mental well-being matters to us.
• Compensation & Benefits: We offer competitive compensation and meaningful health coverage, and all full-time employees are participants in our stock option plan.

Ready to Join Us?

Are you up for the challenge? Apply today and be part of shaping the future of FinTech. Let's innovate, disrupt, and lead together!