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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 employer: X4 Technology
Contact Detail:
X4 Technology Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Principal Product Manager
✨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 sliding into DMs on LinkedIn. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Showcase your expertise! Create a portfolio or a blog where you share insights on product management and cross-border payment solutions. This not only demonstrates your knowledge but also makes you stand out as a thought leader in the field.
✨Tip Number 3
Prepare for interviews by diving deep into the company’s products and their impact on the market. Be ready to discuss how you can drive optimisation in FX and compliance. Tailor your responses to show how your experience aligns with their goals.
✨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 at StudySmarter, where we’re all about transforming the way money moves across borders.
We think you need these skills to ace Principal Product Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the Principal Product Manager role. Highlight your experience in payments and fintech, and don’t forget to mention any relevant projects that showcase your ability to drive product strategy.
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 makes you the perfect fit for our team. Be specific about what excites you about the role and our company.
Showcase Your Achievements: When detailing your past roles, 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 positions.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on 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.
✨Prepare for Technical Questions
Given the technical nature of the role, brush up on your knowledge of payments infrastructure, FX, and compliance regulations like AML and KYC. Be ready to discuss specific examples from your past experiences where you've navigated these areas successfully.
✨Showcase Your Leadership Skills
As a Principal Product Manager, you'll need to demonstrate your ability to lead and mentor. Prepare examples that highlight your experience in guiding teams, driving product strategy, and collaborating with cross-functional stakeholders. This will illustrate your capability to thrive in a high-visibility role.
✨Ask Insightful Questions
Interviews are a two-way street! Prepare thoughtful questions about the company's future direction, challenges in the cross-border payments space, and how they measure success. This shows you're not just interested in the role, but also in contributing to the company's vision.