Product Manager - Southeast Asia Cross-Border Payments (Based in Singapore)

Role Overview

You will take charge of planning and strategizing cross-border payment products (B2C) for the Southeast Asian market, aligning the product roadmap with the company's overall business goals. Your responsibilities include designing comprehensive payment capabilities covering local e-wallets, bank transfers, and card acquiring, as well as building complete transaction and funds flow systems.

Key Responsibilities

• Design core payment systems including transaction routing, risk control strategies, clearing and settlement rules, reconciliation frameworks, and refund and exception handling processes that comply with local regulations.
• Contribute to the design of account systems and funds flow schemes, enhancing efficiency and user experience across different channels.
• Collaborate with overseas banks, local payment institutions, and e-wallet partners to facilitate channel integration, technical coordination, and product implementation.
• Monitor regulatory changes, market competition, and industry trends in Southeast Asia’s payments landscape, continuously optimizing product architecture and compliance frameworks.
• Manage the entire product lifecycle, from market research and requirement analysis to PRD development, project execution, launch validation, data analysis, and ongoing iteration.

Candidate Profile

• Bachelor’s degree or above with more than 5 years of experience in payment or fintech product domains, including at least 3 years focused on overseas acquiring or payment gateway products.
• Deep understanding of the end-to-end cross-border payment process, including channel integration, transaction handling, clearing/settlement, reconciliation, risk management, and exception handling.
• Preferred experience in distributed ledger processing or multi-channel funds flow product design.
• Familiarity with popular Southeast Asian payment methods (local wallets, bank transfers, card payments) and integration logics; understanding of Singapore's regulatory framework such as MAS is a plus.
• Knowledge of transaction lifecycle design including transaction state management, idempotency, asynchronous notifications, and high concurrency systems.
• Strong structured thinking and system design capabilities, able to produce high-quality PRDs and product proposals independently.
• Proficient English communication skills across speaking, reading, and writing; capable of effective cross-team collaboration and project management.

Additional Advantages

• Experience building payment products from the ground up in Southeast Asian fintech or payment institutions.
• Expertise in account systems, funds flow, or cross-border payment products.
• Experience with payment license applications or regulatory liaison.
• Exposure to multi-country, multi-channel payment routing optimization and fund cost control.