Product Manager - Payments Infrastructure

As Product Manager for Payments Infrastructure at Yellow Card Financial, you own the underlying rails, systems, and integrations that move money through the platform. You'll work closely with the Payment Experience PM to translate infrastructure capabilities into customer-facing features, ensuring every transaction is processed, settled, and reconciled reliably at scale across 60 countries and multiple banking and Stablecoin rails.

What you'll do

• Own the technical roadmap for core payment processing infrastructure: rails, ledger, settlement engine, and currency conversion
• Own the execution of the Virtual accounts strategy for the organization
• Partner with the Payment Experience PM to translate infrastructure capabilities into customer-facing features, and surface upcoming experience needs back into the infrastructure roadmap
• Evaluate and prioritize new banking, liquidity, and Stablecoin rail integrations based on cost, speed, and market coverage
• Define infrastructure investment priorities: where to build for scale now versus later
• Own the ledger and transaction processing systems that record and reconcile every payment
• Own settlement logic across banking partners, liquidity providers, and Stablecoin rails including USDC, USDT, and PYUSD
• Own multi-currency conversion and routing logic, including selecting the optimal rail per transaction
• Own Virtual IBAN infrastructure and other virtual account capabilities that underpin customer-facing payment features
• Partner with engineering on system architecture decisions: consistency, idempotency, failure handling, and reconciliation
• Work with Treasury on liquidity requirements and how they shape infrastructure design, including funding models and corridor coverage
• Work with Compliance to ensure regulatory and licensing requirements are built into infrastructure by design across every market
• Manage the roadmap for onboarding new banking and liquidity partners into the payment stack
• Define and track infrastructure health metrics: transaction success rate and settlement time by rail and corridor, system uptime and reconciliation accuracy, and error rates and incident frequency/severity
• Partner with engineering on capacity planning and incident response for payment systems
• Continuously identify and prioritize technical debt that puts reliability or scale at risk
• Document infrastructure capabilities and constraints for other Product, Engineering, and go-to-market teams
• Maintain an internal knowledge base of rail coverage, corridor-specific details, and partner integration information
• Act as the go-to technical resource when other teams need to understand what the payments infrastructure can and cannot do

What you bring

• 5+ years of Product experience, with at least 3 years working on payments infrastructure, rails, ledgers, or core banking/transaction systems in fintech or crypto
• Strong technical fluency: you are comfortable in detailed architecture discussions with engineering covering APIs, distributed systems, and data consistency trade-offs
• A Bachelor's or Master's degree in Engineering, Computer Science, Product, or a related field
• Fluency in English, both written and verbal
• Ability to collaborate with cross-functional teams and across different time zones
• Ability to meet deadlines and deliver results under pressure

Nice to have

• Experience with Stablecoin or crypto settlement rails
• Experience with banking partner integrations, correspondent banking, or cross-border payment rails

What we offer

• Impactful work helping drive financial inclusion across emerging markets
• Fully remote work environment
• Global and diverse team spanning 25+ countries
• Access to learning and development resources and professional growth support
• Mental health support services
• Competitive compensation, health coverage, and stock option participation for all full-time employees

About Yellow Card Financial

Yellow Card is the largest licensed Stablecoin-based infrastructure provider operating across over 60 countries. The company provides Stablecoin payment infrastructure, fiat settlement rails, wallet services, and custom local Stablecoin issuance to businesses managing Stablecoins and payments across 50 emerging markets. Yellow Card operates a global team spanning 24 countries with collective fluency in over 25 languages.