
11 - 50 employees
Founded 2019
đł Fintech
đŚ Banking
đ API
Fintech ⢠Banking ⢠API
xpate is a payments and e-money platform that provides businesses and fintechs with unified payment and banking-like services. It offers card acquiring, multi-currency accounts with individual IBANs, global card and bank payouts, currency exchange, payment links, and an API and custom hosted payment pages for integration. xpate operates as an FCA-authorised e-money institution and holds licences in the EEA, is a Visa and Mastercard principal member, and targets businesses, regulated industries, and fintechs seeking compliant, API-first payment and banking rails.
đĽ 0 minutes ago
đŹđ§ United Kingdom â Remote
â° Full Time
đĄ Mid-level
đ Senior
đ° Account Manager
đť Ghost score 10%
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11 - 50 employees
Founded 2019
đł Fintech
đŚ Banking
đ API
Fintech ⢠Banking ⢠API
xpate is a payments and e-money platform that provides businesses and fintechs with unified payment and banking-like services. It offers card acquiring, multi-currency accounts with individual IBANs, global card and bank payouts, currency exchange, payment links, and an API and custom hosted payment pages for integration. xpate operates as an FCA-authorised e-money institution and holds licences in the EEA, is a Visa and Mastercard principal member, and targets businesses, regulated industries, and fintechs seeking compliant, API-first payment and banking rails.
⢠Map current coverage across markets, currencies, rails and products ⢠Build a pipeline of banks, EMIs, payment institutions and BaaS providers to fill coverage gaps ⢠Add backup routes to reduce single points of failure ⢠Use personal network to reach decision-makers and monitor market developments ⢠Own and improve commercial terms for existing partnerships, including pricing, fees, FX spreads, limits and settlement cycles ⢠Review partner performance and service quality regularly and reopen terms when conditions change ⢠Expand current relationships into new markets, currencies, rails and products ⢠Benchmark partner costs against market rates ⢠Evaluate partners on coverage, products, pricing, limits, licensing, reputation and financial standing ⢠Assess partner positions on client risk before investing in the relationship ⢠Lead commercial discussions and negotiate pricing, fees, FX, limits, SLAs and contract terms ⢠Build internal business cases covering partner cost, value unlocked and trade-offs ⢠Work with Compliance and Legal on partner due diligence ⢠Own relationships from first introduction through contract, launch and ongoing partnership ⢠Drive onboarding with Compliance, Legal, Tech and Operations after signing ⢠Maintain timelines, owners and next steps for both sides ⢠Serve as the primary contact for partner counterparts ⢠Run multiple partner conversations and onboardings in parallel
⢠Established network across banks, EMIs, PSPs or other financial institutions, with counterparts who will take your call ⢠5+ years in payments, banking or fintech, working directly with financial institutions ⢠Experience opening banking or payment partnerships from a cold start ⢠Experience renegotiating live commercial terms and improving them ⢠Hands-on experience with SEPA, SWIFT, Faster Payments or local payment rails ⢠Experience with IBAN and account products, FX or cross-border payments ⢠Experience building relationships with regulated financial institutions in Europe and/or the UK ⢠Comfortable discussing pricing, fees, volumes, limits and contract terms with senior counterparts ⢠Organised enough to hold several partner tracks at once ⢠Experience taking a partnership from first call through due diligence, contract and go-live ⢠Ownership-oriented approach and ability to unblock stalled initiatives ⢠Bonus: experience on the EMI or PSP side ⢠Bonus: experience handling partner due diligence from the applicant's side ⢠Bonus: experience in a fast-growing fintech where processes were still being built
⢠Competitive compensation and an attractive employee benefits package ⢠Health insurance to support your well-being ⢠Educational bonus to support your professional development and continuous learning ⢠Modern and comfortable office environment ⢠Flexible working environment built on trust and accountability ⢠Opportunities to grow, lead, and shape how xpate's banking network expands across markets
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