Product Manager, Payment Routing, Cascading & Payouts
New
J
JustMarkets TechPayment processing
Location: EuropeFull-TimeMiddle
Salary not disclosed
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Job Details
- Languages
- English: Upper-Intermediate (B2) or higher, written and spoken
- Experience
- 3+ years of Product Management experience in Payments, FinTech, Payment Orchestration, or High-Volume Acquiring/Payout platforms.
- Required Skills
- SQLMachine LearningProduct ManagementA/B testing
Requirements
- Have 3+ years of Product Management experience in Payments, FinTech, Payment Orchestration, or High-Volume Acquiring/Payout platforms.
- Bring deep expertise in deposit routing, cascading, and acquirer fee structures, including interchange, scheme fees, and gateway markups.
- Understand payout rails, including SEPA Instant, SWIFT, local rails, and crypto payouts.
- Understand payment-related Machine Learning concepts, including predictive classification, feature engineering, A/B and Shadow Mode testing, and false-positive trade-offs.
- Have a track record of working closely with Data Scientists.
- Understand Payment Ops workflows, STP rules orchestration, velocity limits, and real-time liquidity awareness.
- Be proficient in SQL for querying transactional data, analyzing decline codes, and evaluating routing performance.
- Make routing and product decisions based on quantitative evidence, statistical significance, and cost-benefit analysis.
- Coordinate across Data Scientists, Systems Engineers, Payment Ops, Risk/AML Compliance, and Treasury teams.
- Pay close attention to edge cases, double-charge prevention, and fail-safe logic in financial transaction flows.
- Have upper-intermediate (B2) or higher written and spoken English.
Responsibilities
- Own the product strategy, PRDs, and roadmap for Deposit Routing, Smart Cascading, Payout STP, and Payment Back-Office Tooling.
- Collaborate with Data Science teams to build, validate, and deploy ML models that predict transaction success probabilities and optimize gateway choices.
- Partner with Treasury and Payment Ops to monitor PSP liquidity levels, contractual volume commitments, and payout failure rates.
- Design back-office interfaces for Payment Ops and Risk teams to handle manual reviews with full transactional context.
- Monitor real-time payment health, routing decision latency, and gateway uptime, and implement failovers when PSP degradation is detected.
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