Overview

Product Manager (Banking and Global Payments) – Altery, Greater London, United Kingdom.

About Us: Are you passionate about FinTech and ready to make a tangible impact in a dynamic company where your decisions shape the future? Altery could be the next chapter in your professional journey. We’re hiring a Payments Product Owner to own the strategy and delivery of Altery’s core and global payments capabilities across Retail and Business. You’ll lead integrations with local and cross-border schemes, design and tune pricing levers, optimize unit economics with partners, and drive a data-led roadmap from Product Requirements Document to launch to scaled SLAs—working closely with Engineering, Operations, Treasury, Banking Infrastructure, Compliance, Finance, and Marketing.

What you’ll be doing:

• Own the end-to-end payments roadmap (Core Banking & Global Payments) for Altery Retail and Business—strategy, prioritization, PRDs, delivery, and outcomes.
• Multi-currency accounts & IBANs: deliver 15+ currencies with maximum dedicated/named IBAN coverage in EEA; design vIBAN orchestration, reconciliation, and ledger impacts.
• SEPA Direct Participation: lead business case and readiness (scheme compliance, liquidity/settlement), and land SCT/SCT Inst/SDD operating model.
• Alternative Payment Methods (APMs): evaluate, integrate, and scale top APMs for priority corridors; dual-source where sensible; optimize conversion and blended cost-per-payment.
• Local rails strategy & rollout: evaluate and prioritize country schemes (e.g., Bizum ES, Blik PL, FAST/EFT TR), validate hypotheses via lean pilots, then ship production integrations—navigating regulatory, technical, and operational constraints to deliver instant, reliable payments.
• Altery Friends (P2P): launch peer-to-peer pay-in-DM (add friend → pay) with robust dispute flows and delightful UX.
• SWIFT excellence: improve STP and transparency (ISO 20022/MT statuses), reduce repairs and delivery times, and build robust incident/post-mortem loops with Operations.
• Pricing & monetization architecture: own the rate card and pricing logic per corridor/product; define and tune levers. Implement routing & A/B tests, regulatory transparency, and margin guardrails.
• Revenue management & forecasting: model elasticity; approve price tests; monitor take rate and gross margin per txn; maintain margin floors and parity bands vs competitors; align with Finance on P&L and with Treasury on hedging/FX buffers.
• Treasury & liquidity / settlement operations: define cut-offs, pre-funding and nostro usage, settlement calendars, FX liquidity sourcing, and intraday monitoring to meet scheme SLAs and minimize cost of funds.
• Analytics & insight: build Metabase/SQL dashboards; define KPIs and counter-metrics; drive decisions from data and qualitative research.

What You’ll Bring To Us

• 7+ years building payments/banking products in regulated environments; hands-on with integrations and scaling operations.
• Expertise across SEPA (SCT/INST/SDD), SWIFT, local instant schemes, settlement/clearing, reconciliation, and payment investigations.
• Proven track record shipping payment integrations end-to-end and improving success rates, speed, and unit economics.
• Commercial & pricing experience: designed/operated pricing levers (fees, spreads, min/cap, speed tiers, allowances) and improved margin without harming growth.
• Data-driven (Metabase/SQL); structured problem-solving with crisp product writing and stakeholder comms.
• Cross-functional delivery with Engineering, Operations, Treasury, Compliance, Finance; excellent execution and prioritization.
• Strong product sense and UX craft for high-trust financial flows.
• Experience preparing or operating under direct scheme participation (e.g., SEPA), including liquidity, settlement, and SLA models.
• Familiarity with APMs and local schemes (e.g., Bizum, Blik, PIX, UPI, iDEAL) and the aggregator/vendor landscape.
• Exposure to owning pricing, FX/fees strategy, and unit-economics models with Finance & Treasury (hedging buffers, weekend spread policies).
• Worked on both Retail & Business payment journeys (onboarding, limits, entitlements, approvals).

What we offer

• Team and our Product: We are team players and we are passionate about our product and understand what we aim to achieve and the impact it will make.
• Growth Opportunities: You can influence and shape our story while advancing your career.
• Flexibility: We always listen to our people and can be flexible with arrangements.
• Hybrid or Remote Working: We don\'t expect you to be in the office every day.
• Local Market Perks: Insurance coverage, local perks, and beautiful offices.

Why to join us

We may not be perfect, but our strength lies in our resilience. Facing challenges with our expertise, positive attitude, and a supportive environment where everyone relies on one another gives us confidence in what we do. We empower our people to make decisions, explore, and experiment — micromanagement isn’t our style. We reward those who take on additional responsibilities and go the extra mile. We are proud of how diverse and unique we are. We thrive on diverse views, love learning from one another, and believe that our differences fuel our curiosity.

Senioriry level

• Mid-Senior level

Employment type

• Full-time

Job function

• Product Management and Marketing