Junior Product Manager - Money Movement

Confidential is an early-stage startup on a mission to revolutionize ERP-native B2B payments. They are seeking a Junior Product Manager to work on the core payments engine, focusing on product development and commercial strategy for domestic and cross-border money movement.

Responsibilities:

• Write detailed PRDs, user stories & acceptance criteria for payments and FX flows, capturing E2E money movement flows: initiation, authorization, clearing, settlement, reconciliation, and exceptions
• Translate bank specs, rail rules, and FX partner APIs into product logic
• Support design and improvement of the full payment lifecycle
• Help manage cut-offs, settlement windows, and reconciliation formats
• Coordinate sandbox testing, UAT, and certification with banks and partners
• Embed KYC, AML, sanctions screening, and approval controls into all payment flows
• Maintain product documentation that explains payment capabilities / limits / SLAs, including payment flow diagrams, API behavior notes, and bank-specific limitations
• Define KPIs to evaluate metrics such as success rates, settlement TAT, FX margin, return rates
• Support root-cause analysis of payment failures and transform learnings in product reliability and scalability improvement

Requirements:

• 3–5 years of experience in product, fintech, payments, banking or technical product roles
• Comfortable reading and creating API documentation, sequence diagrams, and data schemas
• High attention to detail and ability to think through edge cases
• Exposure to B2B payment flows via stablecoin transfers, ACH, SWIFT, SEPA, RTP, or FX platforms
• Experience with AP flows and ERP integrations
• Familiarity with reconciliation, ledgering and financial reporting
• Strong communication and collaboration skills
• Comfort moving fast and learning on the job
• Good judgment, curiosity, and attention to detail