Senior Product Manager | Global Payments

Location: China (Remote) | Employment: Full-time

Industry: Fintech / Payments / Cross-border Commerce

About Pockyt

Pockyt is building the next generation of global payments infrastructure—connecting merchants to emerging markets through localized pay-in, pay-out, and banking services. We enable creator platforms, cross-border e-commerce, and internet businesses to move money anytime, anywhere, in any currency—fast, compliant, and with minimal friction.

Role Overview

We’re hiring a Senior Product Manager to own Pockyt’s core payment products and platform capabilities across both fiat and crypto (stablecoin/on-chain) rails. You’ll partner closely with Engineering, Compliance, BD, and Operations to drive the full product lifecycle—from concept and design to launch and iteration—improving success rates, compliance, and capital efficiency in cross-border transactions.

What You’ll Do

● End-to-end ownership: market discovery, problem definition, solution design, PRD/user flows, technical handoff, acceptance, and continuous iteration.

● Dual-rail infrastructure:

○ Fiat: card acquiring & local payment methods (e.g., ACH/SEPA/FPS/UPI/PIX/SPEI), pay-outs, T+N settlement, split/escrow and reconciliation, fees & FX management.

○ Crypto: stablecoin on/off-ramps, on-chain settlement and treasury, custodial/non-custodial wallets, Travel Rule & on-chain compliance monitoring, fee and confirmation-time optimization.

● Compliance & risk: work with Legal/Compliance on KYC/KYB, AML/CFT, sanctions screening, Travel Rule, and KYT transaction monitoring; ensure regional compliance.

● Partner integrations: collaborate with global acquiring banks/clearing networks, pay-out partners, wallets, and compliance vendors to launch new pay-in/pay-out/FX capabilities.

● Metrics & growth: define and track KPIs (auth/success rates, chargeback/return rates, on-time pay-out, cash conversion cycle, ops hours), run experiments, and ship improvements.

● Merchant experience: streamline merchant onboarding/KYB, settlement & reconciliation tools, developer docs and sandbox to reduce integration and ops cost.

● Reliability & cost: partner with Engineering/Finance to improve availability (SLA/SLO), and optimize channel fees, FX slippage, and on-chain gas costs.

Qualifications

● 3–5 years in Product Management, with ≥1 years in payments/fintech/banking/BaaS.

● Strong understanding of cross-border payments: acquiring & clearing, bank transfers and local APMs, settlement & funds flows, split/reconciliation, FX & pricing models.

● Business + technical fluency: ability to discuss system technical designs/architecture with engineers, and discuss ROI/fees/pricing with business teams.

● Data-driven and execution-focused: defining metrics/experiments, and driving outcomes, strong data analytic mindset.

● English (must-have): Able to work in an English-first environment—run meetings, write PRDs/User Stories/ACs, and handle async communication (Email/Slack/Confluence) while independently interfacing with global teams.

Nice to Have

● Scrum/Agile experience: lead iterations, standups, reviews/retros; write user stories & acceptance criteria; proficient with Jira/Confluence, story points, burn-down charts, and prioritization (RICE/MoSCoW).

● Experience with sponsor banks/FBO structures, acquirers, networks, or compliance vendors.

● Launched local APMs in emerging markets (UPI/PIX/SPEI, etc.) or built multi-path routing/retry strategies.

● Merchant/platform risk, chargeback management, auth-rate optimization, or reconciliation automation.

Example Projects You’ll Tackle

● Unify regional APMs and card acquiring into a single settlement & reconciliation view.

● Launch fiat or stablecoin pay-outs to multiple wallet networks with predictable fees and confirmations.

● Rebuild merchant KYB: risk scoring + dynamic document collection to shorten review and go-live time.

● Implement smart routing and retry strategies to lift success rates and lower channel costs.

● Integrate funds, reconciliation, and finance reporting to eliminate manual differences.

Compensation & Benefits

● Market-competitive salary and performance incentives

● Remote-first and flexible work; annual learning & growth support.

● A core role in a fast-growing team with meaningful career upside.

How We Work

● Remote collaboration with cross-time-zone communication (Americas/Europe/APAC).

● High-frequency collaboration across Engineering, Compliance, BD, and Ops with weekly alignment and quarterly planning.

资深产品经理 | 全球支付

地点： 中国（远程） | 用工性质： 全职

行业： 金融科技 / 支付 / 跨境电商

关于 Pockyt

Pockyt 正在构建下一代全球支付基础设施——通过本地化的收款（pay-in）、出款（pay-out）与银行服务，将商户连接到新兴市场。我们帮助创作者平台、跨境电商与各类互联网企业随时、随地、以任意币种完成资金流转：快速、合规、低摩擦。

职位概述

我们正在招聘一名资深产品经理，负责 Pockyt 的核心支付产品与平台能力，覆盖法币与加密（稳定币/链上）两套通道。你将与工程、合规、商务（BD）和运营团队紧密合作，驱动从概念与设计到上线与迭代的完整产品周期，持续提升跨境交易的成功率、合规性与资金效率。

你的工作职责

● 端到端负责：市场研究、问题定义、方案设计、PRD/用户流程、技术对接与交付、验收，以及持续迭代。

● 双轨基础设施：

○ 法币： 卡收单与本地支付方式（如 ACH/SEPA/FPS/UPI/PIX/SPEI）、出款、T+N 结算、分账/资金托管（escrow）与对账、费用与外汇（FX）管理。

○ 加密： 稳定币出入金、链上结算与资金管理（treasury）、托管/非托管钱包、Travel Rule 及链上合规监控、费用与确认时延优化。

● 合规与风控： 与法务/合规合作，覆盖 KYC/KYB、AML/CFT、制裁筛查、Travel Rule、KYT 交易监控；确保各地区合规。

● 合作伙伴集成： 与全球收单行/清算网络、出款伙伴、钱包与合规厂商协作，落地新的收款/出款/FX 能力。

● 指标与增长： 定义并跟踪 KPI（授权/成功率、退单/退回率、按时出款、现金周转周期、运营工时），开展实验并推动改进上线。

● 商户体验： 优化商户入网/KYB、结算与对账工具、开发者文档与沙箱，降低接入与运营成本。

● 可靠性与成本： 与工程/财务协作，提升可用性（SLA/SLO），优化通道费用、汇损与链上 Gas 成本。

任职资格

● 3–5 年产品管理经验，其中**≥1 年**在支付/金融科技/银行/BaaS 领域。

● 对跨境支付有扎实理解：收单与清算、银行转账与本地 APM、结算与资金流、分账/对账、FX 与定价模型。

● 业务 + 技术兼备：能与工程讨论系统技术设计/架构，也能与业务团队讨论 ROI/费率/定价。

● 数据驱动且重执行：能定义指标/实验并驱动结果，具备强数据分析思维。

● 英语（必须）：能在英语主导的工作环境中高效沟通——主持会议、撰写 PRD/用户故事/验收标准，并能进行异步沟通（Email/Slack/Confluence），可独立对接全球团队。

加分项

● Scrum/敏捷经验：能主导迭代、站会、评审/回顾；撰写用户故事与验收标准；熟练使用 Jira/Confluence、故事点（Story Points）、燃尽图与优先级方法（RICE/MoSCoW）。

● 有赞助银行/ FBO 模式、收单行、网络或合规供应商合作经验。

● 在新兴市场上线过本地 APM（如 UPI/PIX/SPEI 等），或构建多路径路由/重试策略。

● 具备商户/平台风控、拒付管理、授权率优化或对账自动化经验。

你将参与的示例项目

● 将各区域 APM 与卡收单统一到一个结算与对账视图。

● 在多钱包网络上上线法币或稳定币出款，实现可预期的费用与确认时延。

● 重构商户 KYB：风控评分 + 动态材料收集，以缩短审核与上线时间。

● 实施智能路由与重试策略，提高成功率并降低通道成本。

● 打通资金、对账与财务报表，消除人工差异。

薪酬与福利

● 具有市场竞争力的薪酬与绩效激励。

● 远程优先与灵活办公；年度学习与成长支持。

● 快速发展团队中的核心角色与可观成长空间。

工作方式

● 远程协作，跨时区沟通（美洲/欧洲/亚太）。

● 工程、合规、BD 与运营高频协作，周度对齐与季度规划并行。