Senior Product Manager - Payments

Who we are 

We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom - for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want - with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.

Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!

Your mission:

As a Senior Payments Product Manager, you will define and execute the strategic vision for Bitpanda’s fiat payments infrastructure. You will own the core deposit and withdrawal engines that power our millions of retail users-turning fiat on-ramps into frictionless, instant gateways to modern investing. You will blend customer-obsessed user experience with a technical approach to infrastructure, ensuring every transaction is efficient, cost-optimized, and resilient to support Europe's future #1 investment platform.

What you’ll do:

• Own the retail fiat lifecycle: Drive the strategic product roadmap for consumer deposits and withdrawals across multiple European geographies, maximizing payment method localization (e.g., local card networks, SEPA Instant, Open Banking).
• Embed deeply with engineering: Act as a core, day-to-day leader within your cross-functional engineering squad. Drive high-velocity agile execution by writing precise PRDs and managing your scope from ideation to delivery and post-delivery.
• Architect flawless transaction journeys: Own the design of robust payment state machines, edge-case handling, and idempotent systems to eliminate "lost" deposits and minimize user friction during high-traffic market events.
• Optimize conversion via smart routing: Build and iterate on intelligent payment routing and cascading logic. Normalize decline reasons across various banking partners to implement smart retries and clear, actionable user error messaging that prevents funnel drop-off.
• Relentlessly optimize unit economics: Target and reduce processing costs per successful transaction through routing efficiencies, commercial negotiations, and multi-rail optimizations to directly improve broker margins.
• Automate broker operations: Partner with Finance, Fraud, and Risk Operations to design automated ledgering, settlement monitoring, and exception handling tools, moving away from manual operational workflows.
• Serve as the main product contact for external providers and PSPs -steering technical discovery, alignment, and strict SLA enforcement.

Who you are:

• B2C fintech product professional: 5+ years of Product Management experience within a high-growth consumer fintech, neobank, or retail broker platform, with a proven history of shipping heavy transactional infrastructure.
• Hands-on agile executor: You love being in the trenches. You are deeply fluent in API ergonomics, webhooks, microservices architecture, and system observability tools.
• Consumer conversion champion: you understand that in a retail broker, speed equals conversion. You possess deep empathy for retail user friction and a passion for turning complex financial mechanics into simple user experiences.
• Fiat Payments domain expert: deep structural knowledge of core financial rails (SEPA, SEPA Instant, Faster Payments, Card Schemes), clearing/settlement cycles, and how local payment methods impact conversion and cost.
• Ruthlessly data-driven: Expert at using data to expose infrastructure leaks. Strong proficiency with analytical tools (e.g., Tableau, Qlikview) or SQL to diagnose funnel drop-offs and system failure modes.

What’s in it for you

• Flexibility to work where you thrive - Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice.
• Reward for your impact - Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan.
• Support for your mental wellbeing - Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP.
• Time to recharge - On top of your standard annual leave, prioritise your wellbeing in 2027 with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months.
• Continuous learning and growth - Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace.
• Exclusive perks and rewards - Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel.
• Support during life milestones - Take advantage of up to 8 additional weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family.
• Fuel and focus on-site - Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long.
• Recognition for your contributions - Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda.
• Show your Bitpanda pride - Access exclusive Bitpanda-branded merchandise and gear to represent.
• Connect and celebrate with your team - Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration

       .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.

Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform.

Bitpanda is committed to fostering a fair and equal environment based on trust and mutual respect. We believe that a diverse and inclusive workplace is paramount to our success and we are committed to building a team that represents a wide variety of backgrounds, perspectives, and skills.

* These benefits may be adjusted at Bitpanda’s discretion and do not apply to our internships and exceptions to our Hybrid Working policy apply to teams with shift schedules or for folks whose roles require them to be in-office (think: Workplaces team or IT).