Senior Product Manager, Reap Pay

Overview

• ****About Reap****
• Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries.
• We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.
• Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale.
• Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.
• Backed by leading investors including Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.
• ****Why Reap?****
• Reap Pay is one of Reap Direct's core offerings.
• This is a chance to take full ownership of a critical product domain that sits at the heart of how businesses move money globally.
• This is not a surface-level payments role.
• You will work across customer experience, payment orchestration, ledger and reconciliation logic, operational workflows, and the infrastructure abstractions that make complex money movement feel clear and reliable to the user.
• You won't be maintaining the status quo.
• You'll be shaping the payments experience end-to-end and partnering with the Reap Connect team to turn powerful infrastructure into products that business customers trust.
• This role has a clear mandate, direct access to leadership, and the opportunity to make a visible impact on growth.
• If you want a space where your decisions actually move the needle, and where AI tools are part of your everyday toolkit, this is it.
• ****Your Mission Awaits****
• Own the end-to-end payments product model for Reap Direct: Define how businesses initiate, track, manage, and reconcile payments across domestic, cross-border, fiat, and stablecoin-enabled flows. Own both the customer-facing experience and the underlying product logic that makes money movement reliable and understandable.
• Turn infrastructure into robust payment products: Partner closely with Reap Connect and engineering to translate payment rails, partner capabilities, ledger events, APIs, and webhooks into clear workflows, scalable abstractions, and high-quality user experiences.
• Drive operational excellence and abstract complexity for global businesses: Design payment experiences and internal workflows that make cross-border money movement feel simple, reliable, and transparent for customers, while giving internal teams the tools and controls they need to operate efficiently at scale.
• Raise the bar on payment quality and completeness: Identify gaps across the payments lifecycle, from initiation through settlement and support resolution, and drive improvements in reliability, transparency, controls, and operational efficiency.
• ****Your Superpowers****
• 5+ years of product management experience, with deep hands-on ownership of payments, treasury, or other transaction-heavy B2B financial products.
• Strong understanding of payment lifecycles, including initiation, routing, execution, settlement, refunds or reversals, and reconciliation.
• Strong ability to translate complex backend capabilities into elegant, intuitive user experiences without losing the underlying operational and technical rigor.
• Comfortable working on API-driven, event-driven, or ledger-based systems, and able to turn technical constraints into strong product decisions.
• Able to reason clearly about asynchronous flows, failure handling, retries, operational exceptions, and user trust in money movement products.
• Proven track record of owning a product domain end-to-end, from strategy and discovery through to delivery, iteration, and operational follow-through.
• Experience working cross-functionally with engineering, design, compliance, operations, and finance in a fast-moving environment.
• Comfortable operating with ambiguity and creating structure where none exists. You define the path, not just follow it.
• Data-informed decision-maker who can identify the right KPIs and use them to drive prioritisation and outcomes.
• Nice to Have
• Experience with one or more payment domains such as payouts, acquiring, issuer processing, treasury flows, FX, or cross-border settlement.
• Experience building products on top of bank, scheme, processor, or stablecoin infrastructure.
• Familiarity with ledger-based systems, reconciliation workflows, and finance or operations tooling.
• Experience in high-growth environments where speed and pragmatism matter as much as thoroughness.
• Experience with stablecoin or crypto.
• ****Why You'll Love it Here****
• A high-impact role in a rapidly growing fintech startup
• Flexible hybrid work environment with a global, collaborative team
• Insurance coverage after probation
• Reap Card stipend
• Use of AI tools at work, and the space to learn, experiment, and grow with them
• A culture of innovation, inclusion, and continuous learning
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