At a Glance
- Tasks: Drive product strategy for global payments and enhance multi-currency account capabilities.
- Company: Join Thunes, a leading fintech revolutionising global money movement.
- Benefits: Competitive salary, private health insurance, learning budget, and flexible working.
- Other info: Work in a diverse team across 40+ nationalities in vibrant Barcelona.
- Why this job: Make a real impact in the fast-paced world of global finance.
- Qualifications: 5+ years in product management with a focus on payments and banking.
About Thunes
Thunes is the Smart Superhighway to move money around the world. Thunes' proprietary Direct Global Network allows Members to make payments in real-time in over 130 countries and more than 80 currencies.
Thunes' network connects directly to over 7 billion mobile wallets and bank accounts worldwide, as well as 15 billion cards via more than 320 different payment methods, such as GCash, M-Pesa, Airtel, MTN, Orange, JazzCash, Easypaisa, AliPay, WeChat Pay and many more.
Thunes' Direct Global Network differentiates itself through its worldwide reach, in-house SmartX Treasury System and Fortress Compliance Platform, ensuring Members of the network receive unrivaled speed, control, visibility, protection and cost efficiencies when making real-time payments, globally.
Members of Thunes' Direct Global Network include gig economy giants like Uber and Deliveroo, super-apps like Grab and WeChat, MTOs, fintechs, PSPs and banks.
Headquartered in Singapore, Thunes has offices in 14 locations, including Abidjan, Barcelona, Beijing, Dubai, Hong Kong, Johannesburg, London, Manila, Nairobi, Paris, Riyadh, San Francisco and Shanghai.
For more information, visit: https://www.thunes.com/
Context of the Role
The Product Manager for Global Accounts and Payment Rails will be responsible for defining and driving the product strategy, roadmap, and execution for Thunes' global collections and settlement capabilities to accelarate our Business Payments. This role is critical in enabling next-generation financial institutions (Banks, Wallets, Fintechs), and global Merchants to easily facilitate global payments through multi-currency Virtual Account (VA) and local payment rail integrations.
You will be an end-to-end owner, taking full responsibility from ideation and market validation through to technical requirements, go-to-market, and continuous performance feedback. Success in this role requires a deep understanding of the global payments landscape, including regulatory requirements, clearing and settlement mechanisms, and the technical complexities of connecting to diverse national payment schemes. You will champion your product both internally and externally.
Key Focus Areas
- Global Accounts: Building and enhancing multi-currency account capabilities (VIBAN, unique identifiers) for collections, in-country payouts, and holding balances.
- Payment Rails Integration: Driving the integration with and participation in national payment schemes (e.g., SEPA, Faster Payments System (FPS), ACH, Direct Debit globally) to facilitate seamless, fast, and cost-effective local collections and settlements.
- Business Payments Acceleration: Optimizing the entire cross-border B2B payments lifecycle to reduce friction, increase speed, and enhance transparency for Thunes' corporate clients.
Responsibilities
Product Strategy and Vision for Global Accounts & Rails
- Define and own the strategic vision and roadmap for Thunes' Global Accounts and local payment rail integration products, ensuring alignment with Thunes’ overall growth strategy.
- Conduct in-depth market research, competitive analysis, and customer interviews to identify new opportunities for collections and settlements products that meet the evolving needs of Fintechs, Banks, and Merchants.
- Develop clear product documentation, including feature requirements, user stories, use cases, and acceptance criteria for the engineering teams.
Driving Payment Rail Execution and Integration
- Lead the product implementation lifecycle for integration with new global and domestic payment schemes (Direct and Indirect participation models).
- Deeply understand the technical and operational requirements of schemes like SEPA, FPS, BACS, FedNow, UPI, PIX, etc., and translate them into product features and integration specifications.
- Ensure that Virtual Account and payment rail products meet all necessary compliance, regulatory, and reconciliation standards for cross-border money movement and safeguarding.
Accelerating Business Payments
- Benchmark and accelerate the time-to-settlement across key payment corridors, focusing on minimizing intermediary bank involvement and leveraging real-time payment systems where available.
- Drive product features that enhance traceability, transparency, and enriched remittance data for business payments, improving reconciliation and operational efficiency for customers.
- Develop solutions for flexible payment initiation and bulk processing tailored to high-volume B2X use cases such as supplier payments, payroll, and marketplace collections and settlements.
Stakeholder Collaboration and Leadership
- Serve as the primary product expert, working closely with Network, Treasury, Finance, Compliance, and Legal teams to ensure operational readiness, liquidity management, and regulatory adherence.
- Collaborate with Engineering and Architecture teams to define scalable, modular, and robust technical solutions for the global accounts platform.
- Support Business Development and Sales teams with product collateral, training, and deep technical expertise for key customer engagements.
Qualities you would find in our Product Team
- High Growth and Quality Product experts
- High-level of Ownership
- Sense of direct contribution to the company’s success
- Shared Vision
- Open Communication
Required Experience and Skills
- 5+ years of Product Management experience in a FinTech or Financial Services environment, focused on payments, banking, or core infrastructure products.
- Mandatory deep hands-on experience with Bank payment rails and integrating with/participating in national payment schemes (e.g., SEPA, FPS, ACH, Direct Debit, Real-Time Payment schemes globally).
- Proven experience in building or managing Virtual Account (VA) or digital IBAN/Account Identifier capabilities for corporate or institutional clients.
- Strong technical acumen with the ability to articulate complex payment system requirements and integration flows to both technical and non-technical audiences.
- Solid understanding of global cash management, reconciliation, settlement, and safeguarding processes, specifically in a B2X cross-border context.
Package and Benefits
- Great compensation package, including performance & company bonus
- Private Health insurance for you and your family
- Life insurance
- Mobile allowance
- Employee wellbeing & support program
- Learning & Development budget
- Work-life balance (flexibility and hybrid working policy)
- Great offices in the center of Barcelona (close to Sagrada Familia)
- Our team is global, you will work with 40+ different nationalities spread across 5 continents
- 25 days of holidays + 2 Thunes Out Days + 2 Community days
Product Manager (Global Account) employer: Thunes
Thunes is an exceptional employer that prioritises employee growth and development, offering a dynamic work culture where innovation and collaboration thrive. Located in a vibrant industry hub, employees benefit from competitive compensation, comprehensive training programs, and the opportunity to work alongside experts in data protection within the payments sector. Join us to make a meaningful impact while advancing your career in a supportive environment.
StudySmarter Expert Advice🤫
We think this is how you could land Product Manager (Global Account)
✨Tip Number 1: Tap Into Professional Networks
The finance world loves a good connection, so jump into industry-specific groups on platforms like LinkedIn where you can find discussions on financial controlling. Engaging in these communities can expose you to hidden job leads that aren't openly advertised!
✨Tip Number 2: Attend Finance Events and Conferences
Make it a mission to attend finance-related events and conferences, even virtual ones! This is a golden opportunity to network face-to-face with people from companies like Thunes. You never know who might be your next boss or a crucial contact!
✨Tip Number 3: Showcase Your Expertise
Consider writing articles or sharing insights related to financial controlling or industry trends. Publish these on platforms like LinkedIn to establish yourself as a knowledgeable player in the field. This not only increases your visibility but also catches the attention of recruiters from Thunes.
✨Tip Number 4: Apply Directly on Company Websites
Since you're going for a full-time gig, don't forget to keep an eye on the careers page of companies you're interested in, like Thunes. Many companies prefer candidates who apply through their website as it shows genuine interest and makes your application stand out!
We think you need these skills to ace Product Manager (Global Account)
Some tips for your application 🫡
Show Off Your Numbers Game:In financial controlling, detail is everything! Make sure your CV showcases your proficiency with numbers—highlight any relevant experience in budgeting, forecasting, or working with financial software. Quantifying your past achievements will make you stand out, so don’t be shy about flaunting those impressive percentages or cost savings you've implemented.
Tailored Cover Letter is Key:Your cover letter is a chance to shine, especially for a full-time role. Use it to express your genuine interest in Thunes and the specific impact you hope to make in financial controlling. Mention any relevant qualifications or experiences that align with the company’s goals, and don’t forget to show that you're ready for a long-term commitment!
Certifications Matter:List relevant certifications such as ACCA or CIMA on your CV. These qualifications not only showcase your dedication to the field but also your technical competence in financial principles. If you have any ongoing training or courses, make sure to mention those as well to demonstrate your commitment to continual learning in financial controlling.
Don’t Overlook Soft Skills:While numbers are crucial, so are those soft skills! Financial controllers need strong communication and analytical reasoning abilities. We recommend embedding examples of these skills in your CV and cover letter, like how you’ve successfully delivered financial reports to stakeholders or collaborated with teams to improve processes. Let’s show Thunes how you can be a team player!
How to prepare for a job interview at Thunes
✨Brush Up on Technical Skills
Make sure you're comfortable with key financial concepts, especially around forecasting, budgeting, and variance analysis. Sometimes, interviewers may throw in technical questions or case studies, so practicing these types of scenarios will help you shine!
✨Showcase Your Financial Acumen
If you've had experience with specific financial software like SAP or Oracle, make it known! Be ready to discuss how you used these tools to improve processes or reporting, as this hands-on knowledge can really set you apart in a full-time role with Thunes.
✨Know Your Numbers
In full-time interviews, especially in financial controlling, be prepared for numerical reasoning tests or questions. Brush up on your mental maths and understand how to interpret and analyse financial statements on the spot, as this may come up during the assessment.
✨Connect with Company Goals
Familiarise yourself with Thunes's financial objectives and any recent developments. During the interview, try to weave your understanding of their business model and challenges into your answers—this shows your genuine interest and alignment with their goals!
