Product Manager - Payments, BaaS & Embedded Finance
Abu Dhabi Emirate, United Arab Emirates · Full Time
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- Experience
- 8–12 yrs
- Salary
- AED 30,000 – AED 40,000 / month
- Openings
- 1
- Posted
- 2 weeks ago
- Work mode
- In office
- Eligibility
- Candidates with 8 to 12 years of relevant product management experience in regulated banking, payments, BaaS, or fintech environments are suitable. The role is aimed at candidates currently based in the UK or Europe who are willing to relocate to Abu Dhabi.
- Resume
- Required to apply
Where you'll work
Job description
About the role
This is a senior product leadership opportunity with a newly licensed challenger bank in Abu Dhabi Global Market (ADGM). The institution is supervised by the FSRA and works with institutional and commercial customers such as fund managers, family offices, SPVs, and fintech companies. The product stack is being built from the ground up, with no inherited legacy systems.
The position is a high-impact individual contributor role that reports straight to the COO. You will shape the product direction and roadmap for payments infrastructure, a customer-facing API layer, a Banking-as-a-Service proposition, and embedded finance. The longer-term roadmap also includes AI-supported client onboarding and settlement options using stablecoins.
The immediate focus is on embedded finance and the API/BaaS buildout.
Key responsibilities
- Define and manage the product roadmap for the bank’s payments stack, including cross-border payment routes and newer alternatives such as instant settlement networks and stablecoin-based channels.
- Lead the full design and rollout of a client-facing API framework that allows fintechs, enterprise customers, and intermediaries to connect with the bank.
- Build the Banking-as-a-Service offering across account infrastructure, payment initiation, foreign exchange, and data services.
- Spot and deliver embedded finance opportunities across the bank’s target customer segments.
- Help shape an AI-enabled onboarding journey that combines ease of use with FSRA and Shari’ah compliance requirements.
- Present product plans and commercial cases to senior leadership and risk committees, while also managing relationships with external vendors and fintech partners.
Candidate profile
The ideal candidate brings 8 to 12 years of product management experience in a bank, payments business, BaaS platform, or fintech company. Experience in a regulated financial setting is required, and familiarity with FSRA, FCA, MAS, or DFSA frameworks is a strong plus.
You should have deep expertise in at least two of the following areas: payments rails, API/BaaS, embedded finance, or digital onboarding. At the same time, you should be keen to build capability across the remaining areas.
A solid understanding of payment networks such as SWIFT, SEPA, and ISO 20022 is important, along with exposure to modern core banking architectures. You should also be comfortable working directly with engineers and interpreting technical specifications.
The role suits someone who is self-driven, entrepreneurial, and comfortable operating in a lean, fast-paced environment.
Location and relocation
This position is based in Abu Dhabi, UAE, and is office-based. Candidates currently in the UK or Europe are specifically being targeted. Relocation is expected for this opportunity.
Package and interview process
The compensation range is AED 30,000 to 40,000 per month, tax-free. For professionals coming from taxed European roles, this is positioned as a meaningful net increase.
Hiring is already in progress. The selection process includes an initial Teams interview followed by a second-round in-person meeting.
Application details
Applicants should share their current salary, expected salary, notice period, and current location.