product manager for payment rails

Cleo is building an AI financial assistant that helps people understand and manage their money. Its products include payment, money movement, EWA, secured credit card, and Wealth services.

• Own the roadmap for how customers move money into, around, and out of Cleo, including direct deposit top-ups, internal transfers across card, EWA, secured credit card, and Wealth products, and outbound movement
• Build deep fluency in US payment rails, including ACH, FedNow, and card network rails, and their interchange and cost structures; represent Cleo in shaping partner roadmaps
• Work with banking and processing partners to orchestrate money movement across multiple partners and rails
• Develop a point of view on stablecoin and crypto as future rails for moving money in and out of Cleo, and incorporate it into the roadmap
• Contribute to the intelligent funding orchestration vision by determining which funding source best serves the customer at the point of a transaction, with consent, and executing that choice agentically
• Set and communicate a clear narrative for why payment rails and money movement matter, and repeatedly make the case to stakeholders without payments backgrounds
• Maintain flawless execution and attention to detail on cash inflows and outflows while building the longer-term vision

• Recent, substantial, hands-on experience with US payment rails, including ACH, card networks, and interchange economics; adjacent experience is not sufficient
• Experience working across multiple payment partners and rails, such as at a card program, neobank, or fintech working with partner banks and processors
• Comfortable owning ambiguity and setting a vision where none has been defined
• Strong storytelling and narrative skills, paired with flawless execution
• Будет плюсом: Fluency in crypto and stablecoin as payment rails, with a point of view on the industry's direction; international payment rails experience, such as UK, with lower priority than US rails depth

• Benefits vary by country and include meaningful equity, comprehensive health insurance, mental health support, a paid one-month sabbatical after four years, a learning and development platform, pension or retirement contributions, and location-specific leave entitlements