Conduct requirements analysis and product design for modules including acquiring, collection/disbursement (agency payments), payment gateways, merchant backends, clearing and settlement, reconciliation, and chargeback management.
Deliver tailored client payment solutions across cross-border e-commerce, gaming, SaaS, foreign trade, and other key industries.
Lead the productization, integration, and optimization of payment channels (banks, third-party payment providers, card schemes, local wallets, etc.).
Design core workflows including merchant onboarding, transaction routing, multi-currency settlement, account reconciliation, and dispute resolution.
Produce standard product documentation, including PRDs, flowcharts, wireframes, and business rules.
Collaborate closely with R&D, operations, finance, compliance, risk control, and other cross-functional teams to drive efficient product launches and iterations.
Continuously optimize product performance and user experience based on data metrics such as transaction volume, success rates, and refund rates.
Track overseas market trends and competitor activities to enhance product competitiveness.

Bachelor's degree or above; majors in Finance, Computer Science, E-Commerce, International Trade, or related fields preferred.
3+ years of product management experience; prior experience in cross-border payments, overseas acquiring, third-party payments, or clearing and settlement systems is preferred.
Candidates with experience building payment products from 0 to 1 are highly preferred.
Familiarity with the end-to-end cross-border payment lifecycle (onboarding, transactions, settlement, reconciliation, risk control, etc.).
Knowledge of mainstream payment methods such as Visa/Mastercard, PayPal, and local wallets, as well as routing logic and multi-currency settlement mechanisms.
Strong product planning, requirements analysis, and documentation skills (PRDs, flowcharts, wireframes).
Excellent cross-departmental communication and project management abilities.
Data-driven mindset with the ability to leverage metrics for continuous optimization.
Fluent in Chinese and English.

International Payment Product Manager

Key skills