Senior Product Manager - Payments (Emerging Markets)

We are currently seeking an experienced Product Manager to join our growing Payments & Blockchain team. By owning a portfolio of payment rails – both by method and geography – you’ll directly influence how customers make payments to and from their accounts, and how efficiently those flows scale with the business. The Payments & Blockchain team is responsible for the first and last mile of every dollar (digital or fiat) that goes in or out of Kraken. As a member of this team, you will drive initiatives that enable best‑in‑class local payments, improve success rates, reduce friction in user journeys, and adapt our payments infrastructure to meet the diverse needs of users—from first‑time retail customers to high‑volume institutional partners. This role offers the opportunity to lead cross‑functional efforts spanning backend integrations, partner onboarding, frontend UX, and compliance‑sensitive flows for all Kraken users.

Responsibilities

• Own and evolve a set of payment rails across specific methods and geographic regions, with a focus on high‑growth and emerging markets.
• Lead partner integrations and manage relationships with payment processors, acquirers, and banking partners.
• Drive continuous improvement of authorization rates, settlement speed, and overall user conversion.
• Collaborate with fraud and compliance teams to ensure payment flows meet security, regulatory, and operational standards.
• Drive UX enhancements through structured experimentation and customer insights.
• Ensure payment capabilities are scalable and adaptable across consumer and pro trading apps, the Kraken app, and external interfaces such as on‑/off‑ramps.
• Use data to inform prioritization, track performance, and iterate toward better outcomes.

Qualifications

• 5–7+ years of product management experience, with a focus on payments, fintech, or financial infrastructure, ideally from a high‑growth fintech or technology business with payments at its core.
• Deep domain expertise in payment systems and rails, including bank transfers, card networks, and alternative payment methods, with experience in emerging or high‑growth markets considered a strong plus.
• Direct experience with payment rails in emerging or high‑growth markets (e.g., UPI, IMPS, IPI/FTS, local card schemes, or regional Open Banking frameworks).
• Experience working with third‑party payment providers and API integrations end‑to‑end, from partner selection and due diligence through to integration and go‑live.
• Experience working on both backend systems (e.g., payment orchestration, API integrations) and user‑facing features.
• A strong customer‑centric mindset, with a focus on simplicity, trust, and conversion in payment flows.
• Collaborative and effective across engineering, design, fraud, compliance, and operations.
• Comfortable working with data to define and measure product impact.
• Strong prioritisation discipline and comfort managing multiple parallel workstreams in a fast‑moving, vendor‑dependent environment.

Nice to Haves

• Experience working within or alongside a crypto or digital assets business.
• Familiarity with neobank infrastructure, platform models, or B2B payments orchestration.

Equal Opportunity Statement

As an equal opportunity employer, we don’t tolerate discrimination or harassment of any kind. Whether that’s based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status or any other protected characteristic as outlined by federal, state or local laws.