Senior Product Manager (Pay-Ins & Payouts)

Role Summary

Botim For Business is building financial products that make it easier for businesses to receive, manage and send money. As Product Manager – Pay-Ins & Payouts, you will own the strategy, roadmap and execution of domestic and cross-border money-movement experiences.

You will develop reliable, transparent and cost-efficient solutions for collections, transfers, supplier payments and bulk payouts. The role sits at the intersection of payments infrastructure, FX, compliance and customer experience.

Responsibilities

• Own the roadmap for pay-in and payout products.

• Translate customer and business needs into clear product requirements.

• Identify and prioritize new payment use cases and market opportunities.

• Lead products from discovery through launch, measurement and iteration.

• Design and optimize payment flows across local rails, international networks and banking partners.

• Improve transaction success rates, processing speed, reliability and unit economics.

• Work with relevant teams on routing, settlement, liquidity and FX capabilities.

• Create intuitive experiences for businesses receiving, tracking and sending money.

• Improve onboarding, transaction tracking, reconciliation and exception handling.

• Ensure clarity around fees, FX rates and settlement timelines.

• Partner with Risk, Compliance and Legal on AML/CFT, sanctions and regulatory requirements.

• Design effective controls while maintaining a strong customer experience.

• Collaborate with Engineering, Design, Operations, Finance, Sales and external partners.

• Align stakeholders around priorities, delivery plans and measurable outcomes.

• Manage dependencies across a matrixed organization.
  

Requirements

• Bachelor’s degree in Engineering, Finance, Computer Science, or a related field – or equivalent experience.

• 5–8 years in product management, with substantive experience in payments, fintech, or banking – not just adjacent industries.

• Hands-on experience shipping wallets, cross-border payments, remittance, or FX products – real corridors, real constraints, real regulatory environments.

• Deep working knowledge of payment rails: SWIFT, local clearing systems (UAEFTS, UPI, Raast, FPS, SEPA), and the trade-offs between speed, cost, and settlement finality.

• Fluency in FX economics: spread management, rate refresh cycles, settlement risk, and how pricing architecture affects margin and merchant behaviour.

• Experience building or integrating with payment APIs at scale: REST APIs, webhooks, reconciliation feeds, and partner bank connectivity.

• Proven ability to operate in licensed, regulated financial environments – working alongside compliance, legal, and risk teams effectively.

• Strong analytical instincts: hypothesis-driven, data-literate, and comfortable making decisions without perfect information.

• Demonstrated stakeholder management across engineering, commercial, legal, and external partners in complex, matrixed organisations.