Product Lead - Payments, Americas

Job details

Work model

Hybrid

Salary

$205,000 - $246,000

Location

San Francisco

Hiring context

How this role compares at Nium

Nium has 28 live roles in MeritLog’s catalog across 8 job families, and 3 of them are in product. 2 of those listings publish a pay range, a disclosure rate of 7%.

Counted across the job boards MeritLog tracks, at the time this page was served. Pay comparisons use only listings that publish a complete range in the same currency and period.

Job description

Nium, Global Leader in Payments   Nium, the global leader in real-time, cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders.   Its payout network supports 100 currencies and spans 220+ markets, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore.  About the Role Nium is looking for a Product Lead, Payments to build and scale our global payments products. This is a senior role for someone who understands how money moves and has experience solving complex payment challenges for businesses, financial institutions, fintechs, and enterprise platforms. You’ll own payment products and capabilities end-to-end - from identifying customer and market opportunities through strategy, delivery, launch, and commercial performance. Your work spans payment rails, pay-ins and payouts, bank and network integrations, processing, reconciliation, settlement, and the developer-facing layer that sits on top. With Nium’s US license, you’ll also have the opportunity to build products and payment capabilities in the US domestic market - ACH, RTP, FedNow - layered on top of our global cross-border network. Most payments PMs never get to build a market from scratch. This role does. The customers driving the most demanding payment requirements today are AI-native companies, autonomous platforms, and developer-first businesses - where payments are triggered by agents, executed at machine speed, and need to work without a human in the loop. You’ll build for that future alongside the enterprise clients we already serve globally. Based in San Francisco, you’ll work closely with Nium’s commercial and executive leadership while partnering with product and engineering teams across the globe. What You'll Own • Own the strategy, roadmap, development, launch, and commercial performance of B2B payment products and capabilities. • Identify customer, market, and infrastructure opportunities and translate them into scalable payment solutions - spanning global corridors and US domestic rails. • Define how Nium builds products for AI-native and agentic customers: programmable disbursements, API-native payment flows, and capabilities designed to operate without a human in the loop. • Partner with commercial teams and customers to identify where Nium should invest and why. • Build business cases across pricing, payment economics, network reach, operational complexity, and regulatory requirements. • Drive launches, adoption, growth, and commercial outcomes - not just delivery. • Partner across Engineering, Sales, Partnerships, Operations, Treasury, Compliance, and Risk. • Communicate strategy, trade-offs, and performance clearly to executive stakeholders. What We're Looking For • 7+ Years of product management experience, including meaningful experience building B2B or enterprise payment products. • Experience across cross-border payments, pay-ins/payouts, ACH/A2A, real-time payments, payment APIs, bank integrations, reconciliation, or settlement. • Strong commercial mindset: pricing, product economics, market opportunity, and revenue. • Technical fluency with APIs, payment flows, integrations, and complex systems. • Demonstrated ability to operate autonomously and drive outcomes in ambiguous, fast-moving environments. • Experience working with globally distributed product and engineering teams. • Strong communication and stakeholder-management skills, including executive-level comfort. How You'll Work High agency. You develop a point of view, make decisions, and drive work forward without waiting for perfect information. Commercially minded. You think beyond building the product to demand, pricing, adoption, economics, and growth. Technically curious. You go beneath the surface - APIs, transaction flows, integrations, and the constraints that make payments hard. Built for the agentic economy. The most important payment problems ahead involve AI agents and autonomous systems moving money programmatically at scale. You understand what products and APIs need to look like to support that - and you use AI tools yourself to think faster and close the gap between insight and execution. Globally collaborative. Based in San Francisco, working across product and engineering teams worldwide. What Will Make You Stand Out • Experience building payment products for AI companies, developer-first platforms, or technology businesses where payments are embedded in the product. • Experience launching payment products in new markets or establishing new banking and rail partnerships. • Direct ownership of commercial outcomes: adoption, revenue, or unit economics. • Experience working with banks, payment networks, processors, or payment infrastructure partners. Why Nium This is an opportunity to work at the intersection of global payments, product strategy, technology, and commercial growth - with the added dimension of building US-domestic payment products at a moment when Nium’s licensing gives us the ability to do it directly. The companies shaping what payments look like next - AI platforms, autonomous agents, global enterprises - need payment capabilities that move at their speed. You’ll build them. Significant autonomy, direct exposure to senior leadership, and problems that are genuinely hard to solve. What we offer at Nium   We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.  We Care: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible hybrid working environment (3 days per week in the office).  We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.  We Constantly Innovate: Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. Check out CNBC World’s Top Fintech Companies 2024.   We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!   We Thrive With Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.   For more detailed region-specific benefits:  https://www.nium.com/careers#careers-perks      For more information, visit www.nium.com.  Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at www.nium.com/privacy/candidate-privacy-notice. Nium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. In addition to federal law requirements, Nium complies with applicable state and local laws governing non-discrimination in employment in every location in which the company operates. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Nium expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status.

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