product manager in fintech

Unlimit is a global fintech ecosystem that provides payment processing, multi-currency business accounts, BaaS, and crypto gateways through a single platform. The company is developing AI-native financial infrastructure for businesses and AI agents operating in a borderless global economy.

• Own the Backoffice end-to-end, including functionality, business logic, data model, documentation, roadmap, and overall system lifecycle;
• Own reconciliation processes by defining matching rules, tolerance thresholds, and break management, monitoring quality, and reducing manual intervention and recurring discrepancies;
• Own settlement and payouts, including settlement cycles, fees, reserves, netting, FX, adjustments, transparency, and control;
• Ensure wallet and ledger integrity by defining wallet and balance rules across currencies, monitoring money movements, and preventing unexplained discrepancies and balance inconsistencies;
• Translate operational, regulatory, and business needs into a prioritized backlog;
• Write clear and testable requirements and make trade-off decisions with Engineering;
• Define acceptance criteria, lead UAT, coordinate business testing, approve releases, and verify outcomes after deployment;
• Act as the escalation point for critical incidents, assess financial impact, coordinate remediation and post-incident reviews, and oversee financial data correction processes;
• Partner with Finance, Compliance, Support, and Audit by providing documentation and evidence, supporting regulatory and audit requirements, participating in month-end close, and training Back office users.

• 4+ Years of experience in payments, PSP, acquiring, e-money, fintech, or banking, with hands-on ownership of reconciliation, settlement, or ledger processes;
• Strong understanding of the payment lifecycle, including authorization, capture, refunds, chargebacks, representments, and their impact on money movement and balances;
• Knowledge of card schemes and APMs, including settlement timing, provider files, fee structures, and dispute mechanics across different payment methods;
• Strong understanding of accounting and ledger principles, including double-entry accounting, wallets, multi-currency, and FX;
• Strong SQL skills and the ability to independently investigate production data and identify root causes of financial discrepancies;
• Experience working with payment data and integrations using CSV, XML, JSON, SFTP, and APIs, including reconciliation of data from different sources;
• End-to-end ownership experience, including defining requirements, managing a backlog, running UAT, and driving delivery across multiple teams;
• High attention to detail and an analytical mindset, with the ability to work with financial data, validate assumptions using evidence, and thoroughly investigate discrepancies;
• Fluent written English;
• Nice to have: experience onboarding new payment schemes and APMs, knowledge of PCI DSS, AML, safeguarding/client money and regulatory reporting requirements, experience with Finance and accounting systems including GL interfaces, month-end close and merchant liability reporting, experience building and improving operational controls, automating reconciliation, and reducing manual intervention.

• Equal opportunity employer with recruiting decisions based on experience and skills.