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For Companies At a Glance
- Tasks: Lead product strategy for cross-border payments and optimise payment flows.
- Company: Fast-growing FinTech transforming global payments.
- Benefits: Competitive salary, bonus, equity, and hybrid work model.
- Other info: Join a dynamic team with opportunities for mentorship and growth.
- Why this job: Shape the future of international payments and make a real impact.
- Qualifications: 8+ years in Product Management with fintech or payments experience.
The predicted salary is between 80000 - 100000 £ per year.
A fast-growing global payments company transforming how money moves across borders. Operating in multiple markets, we enable businesses and individuals to send, receive, and manage international payments seamlessly, securely, and at scale.
With a strong regulatory foundation and a product-led culture, we are building the next generation of cross-border payment solutions—faster, more transparent, and more cost-efficient than traditional systems.
The Role
We’re looking for a Principal Product Manager to lead strategy and execution across our cross-border payments platform. This is a senior individual contributor role with high visibility, responsible for shaping critical product areas that power international money movement.
You will work at the intersection of payments infrastructure, FX, compliance, and customer experience, driving initiatives that scale globally while meeting complex regulatory requirements.
What You’ll Be Doing
- Own and define the product strategy and roadmap for key cross-border payment capabilities
- Lead the design and delivery of end-to-end payment flows (initiation → routing → settlement → reconciliation)
- Drive optimisation of FX, pricing, and liquidity management across corridors
- Partner with Engineering, Compliance, Treasury, and Operations to deliver scalable, compliant solutions
- Own product discovery, translating customer and market needs into impactful features
- Improve payment speed, success rates, and cost efficiency across global corridors
- Ensure alignment with regulatory frameworks (e.g. AML, KYC, local payment schemes)
- Mentor product managers and contribute to product best practices and culture
What We’re Looking For
- 8+ years in Product Management, with significant experience in payments or fintech
- Deep understanding of cross-border payments, including SWIFT, local rails, FX, and settlement processes
- Experience building or scaling payment platforms, APIs, or financial infrastructure
- Strong knowledge of regulatory environments (AML, KYC, PSD2 or equivalent)
- Proven track record of delivering complex, high-impact products at scale
- Data-driven mindset with strong analytical and problem-solving skills
- Excellent stakeholder management across technical and non-technical teams
Nice to Have
- Experience with real-time payments / alternative rails
- Exposure to multi-currency wallets or treasury systems
- Background in high-growth or scaling fintech environments
If you’re excited by solving complex global payment challenges and want to build products that move money faster and smarter across borders, we’d love to hear from you.
Principal Product Manager in City of London employer: X4 Technology
Contact Detail:
X4 Technology Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Principal Product Manager in City of London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work in payments. Attend industry events or webinars, and don’t be shy about sliding into DMs on LinkedIn. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by diving deep into the company’s products and their impact on cross-border payments. Be ready to discuss how your experience aligns with their goals. We want to see you not just as a candidate, but as someone who can drive their product strategy forward.
✨Tip Number 3
Showcase your problem-solving skills! During interviews, share specific examples of how you've tackled challenges in product management, especially in payments. Highlight your data-driven approach and how it led to successful outcomes—this is key in our fast-paced environment.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love candidates who take that extra step to engage directly with us. Let’s make this happen together!
We think you need these skills to ace Principal Product Manager in City of London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Principal Product Manager. Highlight your experience in payments and fintech, and don’t forget to showcase any relevant projects that demonstrate your ability to lead product strategy and execution.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us why you’re passionate about cross-border payments and how your background aligns with our mission. Be specific about what excites you about the role and how you can contribute to our team.
Showcase Your Achievements: When detailing your experience, focus on quantifiable achievements. Did you improve payment speed or success rates? Share those numbers! We love seeing how you’ve made an impact in previous roles, especially in high-growth environments.
Apply Through Our Website: We encourage you to apply through our website for the best chance of getting noticed. It’s super easy, and you’ll be able to submit all your materials in one go. Plus, it shows us you’re serious about joining our team!
How to prepare for a job interview at X4 Technology
✨Know Your Product Inside Out
Before the interview, dive deep into the company's cross-border payment solutions. Understand their product strategy, key features, and how they differentiate themselves in the market. This will not only show your genuine interest but also help you articulate how your experience aligns with their goals.
✨Showcase Your Regulatory Knowledge
Given the importance of compliance in this role, brush up on relevant regulations like AML and KYC. Be prepared to discuss how you've navigated regulatory challenges in past projects. This will demonstrate your capability to manage complex environments effectively.
✨Prepare for Technical Questions
Expect questions about payment flows, FX management, and API integrations. Brush up on your technical knowledge and be ready to explain how you've contributed to similar projects. Use specific examples to illustrate your problem-solving skills and analytical mindset.
✨Engage with Stakeholders
Highlight your experience in stakeholder management during the interview. Prepare examples of how you've collaborated with engineering, compliance, and operations teams to deliver successful products. This will showcase your ability to work across diverse teams and drive initiatives forward.