Payment Product Manager – Clearing & Settlement

🕒 May 19

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Binance

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2017

₿ Crypto

💳 Fintech

💰 Initial Coin Offering on 2020-12

Crypto • Fintech

Binance is the world's leading cryptocurrency exchange, serving over 235 million registered users across more than 180 countries. The platform offers a wide array of services, including the trading of over 350 cryptocurrencies in Spot, Margin, and Futures markets. Users can also buy and sell crypto via Binance P2P, earn interest through Binance Earn, and engage in NFT trading on the Binance NFT marketplace. Binance provides low transaction fees and diverse payment options, making it a preferred choice for cryptocurrency enthusiasts worldwide.

📋 Description

• Responsible for the product design and iteration of the company's payment middle platform, order system, and clearing module in Europe and Latin America, serving as the main person in charge of the company's core payment infrastructure product line. • Drive the product development roadmap and execution for the global fiat payment platform, focusing on backend capabilities. • Lead the design of the full lifecycle management system for orders: order creation, status transition, timeout handling, and reconciliation closed loop. • Design the clearing system: T+0/T+1 settlement schemes, multi-currency reconciliation rules, error handling, and fund verification. • Recommend integration strategy for global payment channels (PSPs, bank rails, local payment methods), ensuring scalable and standardized integration frameworks. • Build and optimize core system modules, including transaction lifecycle management, success rate optimization, latency reduction, and failure handling. • Partner with engineering, risk, compliance, and finance teams to design robust systems for settlement, reconciliation, and fund flow management. • Drive platform-level improvements to support global scalability, including multi-region architecture, localization frameworks, and system abstraction. • Define and monitor key system metrics (e.g., success rate, latency, reliability), and drive continuous optimization through data and experimentation. • Collaborate with internal product teams (e.g., wallet, account, growth infrastructure) to ensure seamless integration of payment capabilities across the ecosystem. • Act as a strong individual contributor, proactively identifying system gaps and driving end-to-end execution in a complex environment.

🎯 Requirements

• 6–10+ years of product management experience, preferably in payments, fintech, or platform/infrastructure products. • Strong experience in payment systems such as payment orchestration, transaction platforms, or cashier/back-end payment systems. • Deep understanding of payment lifecycle, including routing, retries, success rate optimization, and failure handling. • Familiarity with backend system design and APIs; comfortable working closely with engineering teams on system architecture. • Strong analytical and data-driven mindset, with experience using metrics to guide product decisions. • Proven ability to manage complex, cross-functional projects in a global or multi-region environment. • Strong ownership, structured thinking, and ability to operate independently in a fast-paced environment.

🏖️ Benefits

• Competitive salary and company benefits • Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team)