We are looking for a commercially minded Payments Product Manager to lead the development and continuous improvement of digital payment products serving modern businesses and consumers.

This position sits at the intersection of product strategy, financial infrastructure, customer experience, compliance, and technology. The successful candidate will take ownership of products throughout their lifecycle—from identifying market opportunities and defining requirements to coordinating delivery, measuring adoption, and driving continuous optimization.

What You Will Lead

• Develop product strategies for digital payments, transfers, merchant services, and related financial solutions.
• Translate customer and market needs into clearly defined product requirements.
• Build and maintain product roadmaps aligned with commercial and operational objectives.
• Work closely with engineering, compliance, risk, operations, finance, and customer teams.
• Define product specifications, user journeys, acceptance criteria, and success metrics.
• Analyze transaction performance, customer behavior, conversion, retention, and product profitability.
• Identify opportunities to simplify payment experiences and improve operational efficiency.
• Coordinate product launches and manage cross-functional delivery programs.
• Monitor regulatory and technological developments affecting payment products.
• Use customer feedback and quantitative data to prioritize future product improvements.

What We Are Looking For

• 5+ years of product management experience, preferably within fintech, payments, banking, or financial technology.
• Demonstrated experience taking digital products from concept through launch and optimization.
• Strong understanding of payment flows, transaction lifecycles, APIs, and digital financial services.
• Excellent commercial and analytical capabilities.
• Experience working with engineering teams and translating business requirements into actionable product specifications.
• Strong stakeholder-management and communication skills.
• Ability to balance customer needs, commercial objectives, technical limitations, operational requirements, and regulatory considerations.

The Ideal Candidate

You are comfortable operating between business and technology. You can examine a payment journey from the customer’s perspective, understand the underlying technical infrastructure, and make structured product decisions using evidence and measurable outcomes.

What the Role Offers

A high-impact product environment, significant ownership, exposure to complex financial infrastructure, and the opportunity to contribute to the evolution of digital payment services within Estonia’s technology ecosystem.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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