Senior Product Manager (Pay-Ins & Payouts)
Astra Tech
Role Summary
Botim For Business is building financial products that make it easier for businesses to receive, manage and send money. As Product Manager – Pay-Ins & Payouts, you will own the strategy, roadmap and execution of domestic and cross-border money-movement experiences.
You will develop reliable, transparent and cost-efficient solutions for collections, transfers, supplier payments and bulk payouts. The role sits at the intersection of payments infrastructure, FX, compliance and customer experience.
Responsibilities
Own the roadmap for pay-in and payout products.
Translate customer and business needs into clear product requirements.
Identify and prioritize new payment use cases and market opportunities.
Lead products from discovery through launch, measurement and iteration.
Design and optimize payment flows across local rails, international networks and banking partners.
Improve transaction success rates, processing speed, reliability and unit economics.
Work with relevant teams on routing, settlement, liquidity and FX capabilities.
Create intuitive experiences for businesses receiving, tracking and sending money.
Improve onboarding, transaction tracking, reconciliation and exception handling.
Ensure clarity around fees, FX rates and settlement timelines.
Partner with Risk, Compliance and Legal on AML/CFT, sanctions and regulatory requirements.
Design effective controls while maintaining a strong customer experience.
Collaborate with Engineering, Design, Operations, Finance, Sales and external partners.
Align stakeholders around priorities, delivery plans and measurable outcomes.
Manage dependencies across a matrixed organization.
Requirements
Bachelor’s degree in Engineering, Finance, Computer Science, or a related field – or equivalent experience.
5–8 years in product management, with substantive experience in payments, fintech, or banking – not just adjacent industries.
Hands-on experience shipping wallets, cross-border payments, remittance, or FX products – real corridors, real constraints, real regulatory environments.
Deep working knowledge of payment rails: SWIFT, local clearing systems (UAEFTS, UPI, Raast, FPS, SEPA), and the trade-offs between speed, cost, and settlement finality.
Fluency in FX economics: spread management, rate refresh cycles, settlement risk, and how pricing architecture affects margin and merchant behaviour.
Experience building or integrating with payment APIs at scale: REST APIs, webhooks, reconciliation feeds, and partner bank connectivity.
Proven ability to operate in licensed, regulated financial environments – working alongside compliance, legal, and risk teams effectively.
Strong analytical instincts: hypothesis-driven, data-literate, and comfortable making decisions without perfect information.
Demonstrated stakeholder management across engineering, commercial, legal, and external partners in complex, matrixed organisations.
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