Product Lead, Payments

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Astra Finance

SiteLinkedInTodas as Vagas

11 - 50 funcionários

💳 Fintech

💸 Finanças

☁️ SaaS

Fintech • Finance • SaaS

Astra Finance é uma plataforma de pagamentos tudo-em-um que fornece uma API para processar pagamentos instantâneos entre contas bancárias e cartões. É projetada para equipes de produto que buscam incorporar soluções de pagamento seguras e rápidas enquanto minimizam o risco de fraudes e falhas. Com funcionalidades como desembolsos instantâneos, opções de pagamentos e transferências ACH aceleradas, a Astra Finance oferece uma solução completa de processamento de pagamentos, sendo uma escolha ideal para empresas fintech que desejam otimizar sua infraestrutura de pagamentos.

Descrição

• End-to-end product ownership of Astra's payments rails – Visa Direct, Mastercard Move, RTP, FedNow, ACH, and stablecoin – from API contract through settlement and reconciliation. • The transaction lifecycle: authorization, clearing, settlement, dispute/chargeback handling, and exception management. • Developer-facing payments primitives: API design, payload schemas, error surfaces, and webhook contracts that serve sophisticated fintech builders. • Multi-rail routing logic: how Astra selects, fallbacks, and optimizes across rails based on speed, cost, and risk parameters. • Payments compliance surface: Reg E implications, network rule adherence (VCR framework, dispute windows), and AML/sanctions workflow integration. • Rail-specific product strategy and roadmap: identifying capability gaps, emerging network features (e.g., RTP request for payment), and net-new monetization opportunities. • Close partnership with payment operations and engineering on incident response, degraded-rail scenarios, and SLA commitments. • Write rigorous PRDs and technical specs for complex payment flows, with explicit handling of edge cases, failure modes, and regulatory constraints. • Own the product roadmap for your surface area – prioritizing ruthlessly across rail expansions, developer experience improvements, and compliance requirements. • Conduct deep discovery with customers and prospects to surface unmet needs in how they move money. • Partner with engineering to define API contracts, review implementation, and maintain a high bar on developer ergonomics. • Collaborate with compliance and legal on network rule changes, NACHA updates, and card network bulletins – translating regulatory inputs into product requirements. • Work with payment operations to define reconciliation requirements, exception-handling workflows, and ops tooling needs. • Represent the payments product in customer conversations, sales cycles, and external thought leadership.

🎯 Requisitos

• 6+ years of product management experience, with at least 3 years building payments products at infrastructure, fintech, or card network depth. • Hands-on experience with at least two of: ACH, RTP/FedNow, Visa Direct/Mastercard Move, card issuing or acquiring, or stablecoin rails. • Deep familiarity with the transaction lifecycle – authorization, clearing, settlement, disputes – and the operational mechanics underneath each step. • Experience navigating Reg E, NACHA operating rules, or Visa/Mastercard network rules as inputs into product requirements. • Strong API product instincts – you've shipped developer-facing payment APIs and have opinions about what makes them great. • Comfort operating with ambiguity at the IC level – you don't need a manager to set your agenda. • Exceptional written communication; you can reduce a complex payment flow to a clear, precise spec. • Demonstrated ability to influence across engineering, compliance, and operations without direct authority.

🏖️ Benefícios

• Competitive compensation with equity in a growing fintech company. • 100% company paid health insurance for employees. • 401(k) with company matching. • Flexible working arrangements. • Professional growth opportunities in compliance and risk management. • Mission-driven — build infrastructure that powers financial innovation while meeting the highest regulatory standards.