Product Manager

Key Responsibilities

Own the product strategy, vision, roadmap, and commercial success of mobiquity® One, Cards-as-a-Service (CaaS), and Wallet-as-a-Service (WaaS) offerings. Define target customer segments, use cases, market positioning, and product propositions across embedded payments, digital wallets, card issuance, and related financial services. Drive the development of API-first, scalable, and configurable payment, wallet, and card capabilities for digital merchants and enterprise customers. Define and manage end-to-end payment journeys, including payment acceptance, orchestration, routing, settlement, refunds, reconciliation, and transaction management. Own the Cards-as-a-Service proposition, covering card issuance, lifecycle management, tokenization, transaction controls, program management, and integration with banking and card ecosystem partners. Lead the Wallet-as-a-Service product strategy, including wallet creation, stored value management, transfers, merchant payments, cash-in/cash-out, funding, withdrawals, fee management, and interoperability. Collaborate with customers, sales, customer success, engineering, architecture, delivery, and external partners to build scalable and reusable product capabilities. Translate customer and market requirements into product roadmaps, epics, user stories, functional requirements, and acceptance criteria. Drive product discovery, customer engagement, solution workshops, demonstrations, strategic sales support, and feedback-driven product enhancements. Ensure high standards of scalability, security, resilience, performance, API usability, and developer experience. Define product packaging, pricing strategies, business cases, commercial models, and go-to-market plans. Monitor and drive key business outcomes including customer adoption, transaction volumes, revenue growth, profitability, and platform utilization. Build and manage partnerships with banks, card networks, payment processors, fintechs, acquirers, and ecosystem providers. Embed regulatory, risk, security, fraud prevention, KYC/KYB, AML, PCI DSS, and compliance requirements into product design and delivery.

Mandatory Skills

Strong product management experience in payments, fintech, digital banking, embedded finance, or financial technology products. Hands-on expertise in digital wallets, payments, and transaction processing ecosystems. Strong understanding of the end-to-end payments lifecycle, including authorization, processing, clearing, settlement, refunds, reversals, reconciliation, and exception management. Experience managing products related to:Digital wallets and mobile money Payment gateways and acquiring Card issuing and processing Embedded payments and embedded finance API-based financial services platforms Strong knowledge of wallet capabilities, including onboarding, stored value, transfers, merchant payments, cash-in/cash-out, account management, limits, fees, and transaction controls. Experience working with banks, fintechs, merchants, payment service providers, card networks, and payment ecosystem stakeholders. Ability to define product strategies, roadmaps, commercial models, and market positioning. Strong understanding of APIs, platform architecture, and integration ecosystems. Experience translating business requirements into scalable platform capabilities and product requirements. Strong analytical, commercial, stakeholder management, and problem-solving skills. Ability to work effectively across business, customer-facing, and technology teams.

Desirable Skills

Experience managing products across multiple geographies and regulatory environments. Exposure to SaaS, PaaS, API-led, subscription-based, usage-based, transaction-based, or revenue-sharing business models. Understanding of payment economics, including interchange, scheme fees, processing costs, pricing models, and partner commercials. Experience in building and scaling embedded finance, card, wallet, or payments platforms. Familiarity with product commercialization, sales enablement, partner ecosystems, and go-to-market execution. Strong platform-thinking mindset with the ability to balance market-specific needs and standardized product development.