Senior Product Manager, Client Activation (B2B Onboarding, KYC/KYB)

As Senior Product Manager for Client Activation at Reap, you own and scale the client onboarding and activation experience as the company expands into new markets. You design onboarding that turns regulatory complexity into competitive advantage: fast, compliant, consistent client activation across geographies, products, and flow types, built on systems that scale and differentiate Reap in the market.

What you'll do

• Build end-to-end activation funnels from application through identity verification, KYC/KYB, AML screening, risk assessment, account setup, and first value, with a core focus on B2B alongside consumer use cases.
• Own the verification and AML stack in-product, including identity and entity verification (KYC/KYB), document and registry checks, sanctions and PEP screening, risk decisioning, and controls that keep Reap audit-ready across jurisdictions.
• Develop vendor and orchestration strategy: select, integrate, and optimise KYC/KYB providers, identity verification vendors, and workflow engines.
• Build scalable onboarding architecture with configurable flows, rules, and decisioning that adapt to jurisdiction-specific requirements without bespoke rebuilds, plus the activation playbook that lets Reap enter new markets and launch new use cases faster.
• Partner deeply with Compliance and Legal to translate licensing and regulatory obligations into product requirements that don't compromise client experience.
• Orchestrate cross-functionally with Engineering day-to-day, and across Ops, Compliance, and GTM to remove friction, reduce manual review, and improve conversion and time-to-activate.
• Own activation funnel metrics (conversion, time-to-activation, verification speed, manual review rates, drop-off by stage and market), run experiments, and drive a roadmap grounded in data.

What you bring

• Hands-on PM experience shipping B2B client onboarding, KYC/KYB, or activation products in regulated fintech, with exposure to consumer onboarding as a bonus.
• Deep fluency in the AML stack: identity verification, KYC/KYB, sanctions and PEP screening, licensing, and data requirements across geographies, product lines, and flow types, plus hands-on experience with onboarding vendors and orchestration tools.
• Holistic thinking that weighs client experience, legal and regulatory requirements, and operationalisation together in every product decision, treating compliance as a constraint to design within.
• Systems thinking: you build scalable, configurable systems (rules engines, modular flows, reusable components), not market-by-market one-offs.
• Client experience obsession: you judge every flow by how it feels to a good client, prioritising fewer steps, less friction, and faster time to first value.
• Data-driven approach: you define metrics, diagnose drop-off, and prioritise by impact.
• AI-first thinking and execution: you use AI across how you work and what you build.
• Senior PM craft: you operate autonomously, partner closely with Engineering, drive alignment across Ops, Compliance, Legal, and GTM, and communicate clearly with leadership.

Nice to have

• Experience in the crypto and digital assets space (regulated fintech is the must-have; crypto is a bonus).
• Experience building onboarding across multiple geographies and regulatory regimes.
• Familiarity with payments, cards, and cross-border money movement.
• Prior work in a high-growth fintech scaling into new markets.

About Reap

Reap is a global financial technology company headquartered in Hong Kong, enabling financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins. Through stablecoin-powered corporate cards, payments, expense management tools, and APIs, Reap helps businesses streamline financial operations and scale. Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.