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- 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 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 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 London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work with cross-border payments. Attend industry events or webinars and don’t be shy about introducing yourself—connections can lead to opportunities!
✨Tip Number 2
Showcase your expertise! Create a portfolio or a blog where you discuss trends in payments, share insights on regulatory challenges, or even analyse successful product launches. This not only demonstrates your knowledge but also makes you memorable.
✨Tip Number 3
Prepare for interviews by diving deep into the company’s products and their market position. Be ready to discuss how your experience aligns with their goals, especially around optimising payment flows and compliance. Tailor your pitch to show you’re the perfect fit!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in being part of our team and contributing to the exciting world of cross-border payments.
We think you need these skills to ace Principal Product Manager in 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 this 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 the easiest way for us to keep track of your application and ensure it reaches the right people. Plus, we can’t wait to see what you bring to the table!
How to prepare for a job interview at X4 Technology
✨Know Your Payments Inside Out
Make sure you brush up on your knowledge of cross-border payments, including SWIFT, local rails, and FX processes. Being able to discuss these topics confidently will show that you understand the industry and can contribute to the company's goals.
✨Showcase Your Product Management Experience
Prepare specific examples from your past roles where you've successfully led product strategy or delivered complex payment solutions. Highlight your experience with regulatory environments like AML and KYC, as this is crucial for the role.
✨Demonstrate Your Analytical Skills
Be ready to discuss how you've used data to drive decisions in your previous projects. Bring examples of how you've improved payment speed or cost efficiency, as this aligns perfectly with what the company is looking for.
✨Engage with Stakeholders
Think about how you've managed relationships with both technical and non-technical teams. Prepare to share stories that illustrate your stakeholder management skills, as collaboration will be key in this role.