Senior Product Manager Payments

Who we are  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks, precious metals and commodities they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!  Your mission: As a Senior Payments Product Manager, you will define and execute the strategic vision for Bitpanda’s fiat payments infrastructure. You will own the core deposit and withdrawal engines that power our millions of retail users—turning fiat on-ramps into frictionless, instant gateways to modern investing. You will blend customer-obsessed user experience with a technical approach to infrastructure, ensuring every transaction is efficient, cost-optimized, and resilient to support Europe's future #1 investment platform.   What you’ll do: Own the retail fiat lifecycle: Drive the strategic product roadmap for consumer deposits and withdrawals across multiple European geographies, maximizing payment method localization (e.g., local card networks, SEPA Instant, Open Banking). Embed deeply with engineering: Act as a core, day-to-day leader within your cross-functional engineering squad. Drive high-velocity agile execution by writing precise PRDs and managing your scope from ideation to delivery and post-delivery. Architect flawless transaction journeys: Own the design of robust payment state machines, edge-case handling, and idempotent systems to eliminate "lost" deposits and minimize user friction during high-traffic market events. Optimize conversion via smart routing: Build and iterate on intelligent payment routing and cascading logic. Normalize decline reasons across various banking partners to implement smart retries and clear, actionable user error messaging that prevents funnel drop-off. Relentlessly optimize unit economics: Target and reduce processing costs per successful transaction through routing efficiencies, commercial negotiations, and multi-rail optimizations to directly improve broker margins. Automate broker operations: Partner with Finance, Fraud, and Risk Operations to design automated ledgering, settlement monitoring, and exception handling tools, moving away from manual operational workflows. Serve as the main product contact for external providers and PSPs —steering technical discovery, alignment, and strict SLA enforcement. Who you are: B2C fintech product professional: 5+ years of Product Management experience within a high-growth consumer fintech, neobank, or retail broker platform, with a proven history of shipping heavy transactional infrastructure. Hands-on agile executor: You love being in the trenches. You are deeply fluent in API ergonomics, webhooks, microservices architecture, and system observability tools. Consumer conversion champion: you understand that in a retail broker, speed equals conversion. You possess deep empathy for retail user friction and a passion for turning complex financial mechanics into simple user experiences. Fiat Payments domain expert: deep structural knowledge of core financial rails (SEPA, SEPA Instant, Faster Payments, Card Schemes), clearing/s...