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.
