Technical Product Manager, Payment & Settlement - Digital Bank

Job Description: Own end-to-end delivery of payment and settlement products, from requirements validation and technical design through to launch and post-release review. Define detailed Product Requirement Documents (PRDs) covering payment state transitions, fund-flow call chains, order state machines, system API dependencies, and edge-case handling. Oversee fund-flow closure, clearing, and settlement design in close collaboration with Finance and Operations to eliminate reconciliation discrepancies. Serve as the central coordination point across Engineering, QA, Operations, Compliance, AML, and external vendors to manage delivery timelines, rollout risks, and multi-iteration launches. Define and track key product metrics including fund reconciliation accuracy, exception resolution rate, payment success rates, and delivery efficiency. Analyze complex fund-flow call chains to identify transaction failure points, assess financial loss risks, and establish robust exception-handling SOPs. Requirements: Bachelor's degree or above in Computer Science, Engineering, or related technical field Minimum 3 years of relevant full-time working experience in a related Technology (including software/commerce/consumer technology), Fintech or consulting with experience supporting these industries Direct experience to payment, card, fund-flow/reconciliation, or digital banking products Familiarity with digital banking payment infrastructure, fund settlement flows, and clearing mechanisms is a significant advantage Hands-on experience leveraging automation or AI-assisted tools to improve workflow efficiency, delivery processes, or regression coverage is a significant advantage Strong ownership mindset, with excellent communication and stakeholder management skills Self-motivated, proactive, and able to thrive in fast-paced environments