Product Manager

Unstoppable starts with people. The future of payments is being built today, and at Paymentology, we are looking for people who want to help shape it. We power card issuing for leading banks, fintechs and digital brands across the globe, and as we continue to grow, we are looking for curious, ambitious people who thrive on solving complex challenges, embrace innovation and want to make a tangible impact at global scale. We are seeking a Product Manager to own our Clearing & Settlement product capabilities within the Issuer Processing platform. This role is responsible for defining, managing, and enhancing the financial processing functions that occur after authorization—ensuring accurate transaction clearing, settlement, reconciliation, scheme reporting, fee processing, and robust financial controls across global payment networks.   The ideal candidate brings deep expertise in card scheme clearing and settlement processes, understands issuer financial operations, and can translate complex scheme requirements into scalable, industry-leading product capabilities.   Key Responsibilities Product Ownership - Own the product vision, roadmap, and backlog for Clearing & Settlement. - Define product strategy aligned to customer needs, operational efficiency, scheme requirements, and business goals. - Translate market, client, and scheme requirements into product requirements and delivery priorities. Clearing - Manage product capabilities for clearing message ingestion and processing. - Oversee presentments, reversals, adjustments, corrections, and exception handling workflows. - Support multi-currency and multi-clearing scenarios. - Ensure accurate scheme file processing and event generation. - Improve automation, transparency, and controls across clearing workflows. Settlement - Manage issuer settlement calculations and processing, supporting multi-currency settlement and scheme settlement reporting. - Oversee accurate settlement position management, exception handling, and robust controls for accurate and auditable outcomes. Reconciliation and Controls - Define and enhance reconciliation across clearing, settlement, and ledger flows. - Oversee exception management, break resolution, and reporting. - Ensure compliance and operational oversight within product capabilities. Scheme and Network Alignment - Lead product requirements related to Visa Base II, Mastercard IPM, and scheme reporting. - Monitor scheme mandates, changes, and release impacts. - Drive impact analysis and manage product changes required by scheme-driven updates and integration of new networks. Delivery & Stakeholder Management - Work closely with Engineering, Architecture, Operations, Finance, Compliance, and Client Delivery teams. - Write detailed product requirements, user stories, and acceptance criteria. - Support solution design, testing, implementation, and release planning. - Act as product SME for clearing and settlement internally and externally. - Drive the delivery of new payment scheme integrations and related network capabilities.   Knowledge, Skills & Abilities - Expert knowledge of card clearing and settlement processes and frameworks (Visa, Mastercard). - Understanding of settlement reporting, reconciliation, interchange, assessments, and scheme fees. - Ability to translate complex payment and scheme requirements into product and delivery plans. - Stakeholder management and strong execution skills. - Competence in payment processing fundamentals: authorization, clearing, settlement, reconciliation. - Interpret complex technical specifications into concise requirements and testable outcomes. - Project and program management, including dependency and risk management. - Technical fluency, comfortable collaborating with engineers on APIs, system behavior, and integrations. - Experience with SQL/data analysis is advantageous. - Excellent written and verbal communication skills in English. - Strong problem-solving abilities and sound judgment.   Minimum Qualifications - Bachelor’s degree in Business Administration, Engineering, Computer Science, or a related field (or equivalent experience). - Technical or payments-focused background strongly preferred.   Preferred Experience - 5+ years of experience in Product Management, Payments, Issuer Processing, Financial Processing, or a related domain. - Experience delivering clearing, settlement, reconciliation, or financial processing capabilities within card issuing, payment processing, banking, or fintech environments. - Proven experience with card scheme clearing and settlement frameworks, and managing scheme-mandated changes. - Collaborative experience with Engineering, Operations, Finance, and cross-functional product teams. - Strong understanding of issuer financial operations including interchange, scheme fees, multi-currency settlement, funding models, and financial controls. Our Values At Paymentology, our values shape everything we do. - We are Future Focused, embracing innovation and change for our clients. - We strive for Excellence Everyday, holding ourselves to the highest standards. - We Show Up and are Accountable, taking responsibility for outcomes. - We Drive and Inspire Growth for our clients, our teams, and ourselves. - We Communicate to Collaborate, building trust through clear and honest dialogue. - Most importantly, we Lead with Humanity - caring deeply for our clients, colleagues, and communities. All these behaviours are in service of our clients and our commitment to delivering excellence every day. At Paymentology, we believe that making a difference starts with the people behind the work. You will be part of a diverse, global team of Paymentologists who are united by a shared mission to advance the world through payments. This is an opportunity to contribute to meaningful work, collaborate across markets and functions, and help shape the future of a business with global reach and real impact. We are an equal opportunity employer committed to fostering a diverse and inclusive workplace where everyone can thrive. We welcome applications from people of all backgrounds and do not discriminate on any unlawful ground, including race, colour, ethnicity, sex, gender, pregnancy, marital status, family responsibility, age, disability, sexual orientation, religion, belief, language or HIV status. Paymentology will never request any form of payment from applicants at any stage of our recruitment process, including for applications, interviews, training or job placements. If anyone asks you for money while claiming to act on behalf of Paymentology, please treat this as fraudulent and do not make any payment. All legitimate Paymentology vacancies are advertised via our official careers https://www.paymentology.com/about-us/careers page , and our recruitment emails are sent only from official Paymentology domains.