Own the balance strategy end-to-end: define how merchant funds are tracked, held, and made available across currencies, countries, and settlement windows.
Build and launch the overdraft product: design the pricing framework (daily negative balance fees, credit lines, availability charges), set guardrails in coordination with Treasury, Risk, and Revenue, and expose configuration to commercial teams via Fee Manager.
Define and implement multi-balance capabilities: allow merchants to hold and operate independent balances per currency (e.g., USD + LCY).
Own post-transactional flows including split payments: define how funds are allocated at the balance layer after settlement.
Drive balance reconciliation and operational accuracy: work with Finance and Engineering to ensure the balance engine reconciles daily.
Lead cross-functional squads, Engineering, Treasury, Finance, Risk, Revenue, and Compliance.
Write tight specs and work directly with Engineering on architecture decisions.
Define success metrics, measure outcomes, and iterate.

5+ years in product management, owning the full lifecycle, discovery through delivery and optimization.
Fintech background: you've worked on payments infrastructure, ledger systems, settlement, treasury, or credit products. You know what a balance engine actually does.
Technical fluency: you've worked hands-on with REST APIs, read system design docs, and can make architecture trade-offs without engineering holding your hand.
You set your own priorities, unblock dependencies, and push projects forward, especially in a complex, multi-team environment.
You move, decide, and ship. The balance system has real merchants waiting on real features.
You bring structure to messy, multi-team initiatives and keep them moving. Treasury, Risk, Finance, Engineering, Revenue, you coordinate all of them.
Comfortable and motivated as an IC today, with real leadership potential for tomorrow.
EU citizen; This is a hard requirement. no exceptions.

Flexibility: we have flexible schedules and we are driven by performance.
Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
Referral bonus program: our internal talents are the best recruiters
refer someone ideal for a role and get rewarded.
Learning & development: get access to a Premium Coursera subscription.
Language classes: we provide free English, Spanish, or Portuguese classes.
Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!
dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!

Senior Product Manager – Balance

Key skills