Technical Product Manager - Payments

About Us Félix is a chat-based platform that enables Latinos in the US to send money home, pioneering remittance services via WhatsApp. We combine Blockchain and Artificial Intelligence to disrupt how remittances are done today and build the future of cross-border payments. By joining Félix, you will be part of the most innovative company in the cross-border payment industry. We recently received investment from top VCs from Silicon Valley, Europe, and Latam, as well as we won Blockchain and AI innovation and application awards at the Wharton Business School. In 2024, Félix was selected as Endeavour Entrepreneur by the global network and was a recipient of the CrossTech Fintech Startups Award. You will be joining the journey to build a financial platform and become a companion to the Latino community in the United States! We're obsessed with our customers, and we're building a product that truly empowers them. We are a team of extremely talented high performers, loyal to each other, and committed to providing a magical experience to all our users. We're all owners, driven by a shared vision to create sustainable value. We move with urgency and focus, always striving for excellence and exceeding expectations. About the Role We are seeking a highly hands-on and technical Product Manager to lead the building and scaling of our next-generation payments platform, the infrastructure that moves money from the moment a customer funds a payment to the moment it settles with our banking partners. This role requires a unique blend of deep technical depth, platform-level strategic thinking, and a resourceful, bias-for-action mindset to build the payments platform that powers the multiple Félix products requiring money movement, while improving conversion, authorization rates, and unit economics. You will own our payment orchestration layer and the ecosystem around it: multiple payment processors, banking and settlement partners, tokenization, and reconciliation. You will be a doer, not just a delegator, working closely with engineering to build sophisticated real-time systems while owning critical business metrics like authorization rate, processing cost, and GMV. This is a role for a builder who thrives on extreme ownership in a high-growth, ambiguous environment. Responsibilities Define & Execute Payments Product Strategy – Work with Product and Engineering leadership to develop and own the payments roadmap, focused on unifying our processors, banking partners, and payment methods into a single, scalable orchestration platform for pay-ins, routing, and settlement. This requires a platform-first, reusable-component mindset. Own the Payment Orchestrator – Drive the evolution of our in-house orchestrator and its rules engine: intelligent routing across processors, and fallback and resilience logic. Balance authorization rates, cost per transaction, and reliability. Own reconciliation and settlement health across processors and banking partners, driving toward automation. Hands-On Data Analysis & Experimentation – Own payment metrics and have a hands-on relationship with the data. You must be able to navigate complex dashboards, run simple to medium-complexity SQL queries to validate hypotheses, and partner with Data Analysts and Engineers to drive improvements in conversion, acceptance, and authorization. Expand Payment Methods & Rails – Partner directly with engineering to design, build, and launch payment methods and integrations across cards, wallets, ACH, cash, and additional processors and settlement banks. Cross-Functional Collaboration – Work closely with Engineering, Finance (reconciliation, treasury, revenue recognition), and Operations (payment ops, disputes) to develop scalable solutions. Fraud Coordination - Partner with Fraud to monitor fraud performance by payment method and supply the data needed for fraud checkpoints. Partner & BD Coordination - Partner with Business Development on processor and banking partner negotiations. Stakeholder & Partner Management – Communicate payments strategy and impact to executive leadership, and manage relationships with payment processors, acquiring and banking partners, and card networks. Requirements 5+ years of experience in product management, with a focus on payments, ideally in a fast-paced startup or growth environment where you were a primary builder. Proven technical fluency & resourcefulness. Ability to work with engineering teams on API-based payments solutions, demonstrated ability to run simple SQL queries, and a clear understanding of data pipelines and system resilience (e.g. timeouts, fallbacks, service dependencies). Deep understanding of the payments ecosystem (payment orchestration, processors/PSPs, acquiring and banking partners, card networks, authorization and settlement flows, tokenization, and reconciliation), or a track record of rapidly acquiring deep domain knowledge in a new technical area. Experience owning payment performance metrics (authorization rate, conversion, processing cost, GMV) and using them to drive product improvements. Experience working with payment processors and orchestration, and familiarity with alternative rails (ACH, BNPL, wallets, stablecoins) is a strong plus. Strong ownership and a bias towards action; comfortable working hands-on rather than delegating. Strong stakeholder management and communication skills, especially with fraud, finance, compliance, and exec teams, as well as external partners. Passion for fintech and digital finance innovation. These are the applicable requisites, although equivalent competencies in any of the above will also be considered. What We Offer Base (Flexible depending on expectations/interview performance) SF/NYC: $152,000 - $193,000 Miami: $123,000 - $160,000 Initial stock options grant Annual performance bonus Health, dental, and vision plans 401(k) Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it. Continuous learning opportunities Unlimited PTO Paid parental leave Empowering opportunities for growth in a dynamic entrepreneurial environment Equal Opportunity Employer At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination. Want to learn more about our privacy practices? Check out our Privacy Policy. #J-18808-Ljbffr Felix