[All remote jobs](https://jobicy.com/jobs.md)[![Binance logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/bc822f38-221.jpg)](https://jobicy.com/company/binance.md)[Binance](https://jobicy.com/company/binance.md) # Payment Product Manager (Fiat) AI Summary Binance is seeking a senior Payment Product Manager to own backend fiat-payment infrastructure across Europe and Latin America. The role covers payment orchestration, order lifecycle management, clearing, settlement, reconciliation, PSP integrations, and platform reliability. The successful candidate will work closely with engineering, risk, compliance, finance, and internal product teams to scale global payment capabilities. This is a highly technical individual-contributor product role requiring strong ownership, analytical decision-making, and experience with high-throughput financial systems.[Apply for this job](#job-application)[View company](https://jobicy.com/company/binance.md)ShareRemote from[Singapore](https://jobicy.com/job-region/singapore.md), [Hong Kong](https://jobicy.com/job-region/hong-kong.md)SalaryUndisclosedDepartment[Product & Operations](https://jobicy.com/categories/management.md)EmploymentFull TimeExperienceSeniorPublished9 Nov 2026Apply before9 Dec 2026Listing views63Application actions4Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. Opportunity details ## About this role. [Binance](https://jobicy.com/company/binance.md) is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, and more. Our mission is to increase the freedom of money and financial access for people around the world. Responsibilities * Responsible for the product design and iteration of the company’s payment middle platform, order system, and clearing module in Europe and Latin America, serving as the main person in charge of the company’s core payment infrastructure product line. * Drive the product development roadmap, and execution for the global fiat payment platform, focusing on backend capabilities. * Lead the design of the full lifecycle management system for orders: order creation, status transition, timeout handling, and reconciliation closed loop. * Design the clearing system: T+0/T+1 settlement schemes, multi-currency reconciliation rules, error handling, and fund verification. * Recommend integration strategy for global payment channels (PSPs, bank rails, local payment methods), ensuring scalable and standardized integration frameworks. * Build and optimize core system modules, including transaction lifecycle management, success rate optimization, latency reduction, and failure handling. * Partner with engineering, risk, compliance, and finance teams to design robust systems for settlement, reconciliation, and fund flow management. * Drive platform-level improvements to support global scalability, including multi-region architecture, localization frameworks, and system abstraction. * Define and monitor key system metrics (e.g., success rate, latency, reliability), and drive continuous optimization through data and experimentation. * Collaborate with internal product teams (e.g., wallet, account, growth infrastructure) to ensure seamless integration of payment capabilities across the ecosystem. * Act as a strong individual contributor, proactively identifying system gaps and driving end-to-end execution in a complex environment. Requirements * 6–10+ years of product management experience, preferably in payments, fintech, or platform/infrastructure products. * Strong experience in payment systems such as payment orchestration, transaction platforms, or cashier/back-end payment systems. * Deep understanding of payment lifecycle, including routing, retries, success rate optimization, and failure handling. * Familiarity with backend system design and APIs; comfortable working closely with engineering teams on system architecture. * Strong analytical and data-driven mindset, with experience using metrics to guide product decisions. * Proven ability to manage complex, cross-functional projects in a global or multi-region environment. * Strong ownership, structured thinking, and ability to operate independently in a fast-paced environment. Nice to Have * Experience with global payment methods and bank rails (e.g. ACH, SEPA, FPS, PIX, UPI) or large-scale PSP integrations. * Understanding of settlement, reconciliation, ledger systems, or fund flow design. * Familiar with settlement models (gross/net), T+N clearing cycles, and foreign exchange processing logic. * Experience in transaction platforms, wallet systems, or payment infrastructure. * Exposure to Web3 / crypto / exchange products, or strong interest in the space. * Experience working on high-throughput, high-reliability backend systems. Why Binance * Shape the future of finance * Collaborate with world-class talent in a user-centric global organization with a flat structure * Tackle challenging projects in a fast-paced and innovative enviornment with autonomy * Thrive in a results-driven workplace with opportunities for career growth and continuous learning * Competitive salary and company benefits * Remote-first, work-from-home arrangement (may vary depending on the nature of the role and team) Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success. By submitting a job application, you acknowledge that you have read our [Candidate Privacy Notice](https://www.binance.com/en/candidate/privacy/notice). We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us. Show more [Apply now >](https://jobicy.com/jobs/160074-payment-product-manager-fiat.md) > Annual salary information is not provided for this position. Explore salary ranges for similar roles in our [Salary Directory ›](https://jobicy.com/salaries.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThe role requires 6–10+ years of product-management experience and deep practical knowledge of payment lifecycles, settlement, reconciliation, bank rails, and backend architecture. It combines complex technical systems with cross-functional delivery in a fast-paced global fintech environment. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Highly competitive$150,000US market range (per year)$120k–$180k0$198.00k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. No employer salary range is disclosed. The yearly cadence is inferred from the senior full-time product-management role; the USD 120,000–180,000 market estimate is an AI-generated annual estimate, not verified employer compensation. ## Core skills Skills and capabilities most closely associated with this opportunity. [Payment product management](https://jobicy.com/jobs?search_keywords=Payment%20product%20management.md)[Payment orchestration](https://jobicy.com/jobs?search_keywords=Payment%20orchestration.md)[Transaction lifecycle management](https://jobicy.com/jobs?search_keywords=Transaction%20lifecycle%20management.md)[Settlement systems](https://jobicy.com/jobs?search_keywords=Settlement%20systems.md)[Clearing and reconciliation](https://jobicy.com/jobs?search_keywords=Clearing%20and%20reconciliation.md)[PSP integrations](https://jobicy.com/jobs?search_keywords=PSP%20integrations.md)[Bank rails](https://jobicy.com/jobs?search_keywords=Bank%20rails.md)[Backend API design](https://jobicy.com/jobs?search_keywords=Backend%20API%20design.md)[Payment routing](https://jobicy.com/jobs?search_keywords=Payment%20routing.md)[Failure handling](https://jobicy.com/jobs?search_keywords=Failure%20handling.md)[Product roadmap development](https://jobicy.com/jobs?search_keywords=Product%20roadmap%20development.md)[Cross-functional leadership](https://jobicy.com/jobs?search_keywords=Cross-functional%20leadership.md)[Data-driven decision making](https://jobicy.com/jobs?search_keywords=Data-driven%20decision%20making.md)[Platform scalability](https://jobicy.com/jobs?search_keywords=Platform%20scalability.md)[Financial infrastructure](https://jobicy.com/jobs?search_keywords=Financial%20infrastructure.md) Sample interview questionsHow would you improve payment success rates across multiple payment service providers and local payment methods?I would first segment failures by provider, country, payment method, issuer response, customer cohort, and transaction state. I would then prioritize the highest-volume or highest-value failure modes, introduce smart routing and controlled retries where appropriate, and monitor success rate, latency, cost, and fraud impact through an experiment framework. How would you design a robust order lifecycle for a fiat-payment platform? I would define an explicit state machine from order creation through authorization, processing, success, failure, expiry, refund, and reconciliation. Each transition should be idempotent, auditable, timeout-aware, and supported by clear recovery processes for asynchronous provider callbacks and partial failures. What are the key considerations when building a T+0 or T+1 clearing and settlement system? Key considerations include cutoff times, currency calendars, gross versus net settlement models, prefunding requirements, fee calculations, FX exposure, ledger integrity, exception handling, and reconciliation with external counterparties. The design should provide traceability from each transaction through to final fund verification and settlement completion. How do you work effectively with engineering teams on a technically complex payments product? I align on customer and business outcomes, document system behaviors and edge cases, and work with engineers to evaluate architectural trade-offs early. I use clear metrics, phased delivery plans, and regular reviews to ensure that scalability, reliability, observability, and operational support are built into the product rather than added later. Describe how you would assess whether to integrate a new local payment method in a market. I would assess customer demand, expected conversion uplift, regulatory requirements, provider reliability, integration complexity, settlement and reconciliation implications, fraud profile, unit economics, and operational burden. I would use these inputs to build a prioritization case, define success metrics, and launch incrementally with monitoring and rollback safeguards. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. 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