Senior Product Manager - Working Capital

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Senior Product Manager | Working Capital (Enterprise Team)

What You’ll Be Spending Your Time On

• Own the end-to-end Working Capital product strategy and roadmap globally - Capital Advance, Line of Credit, early pay and similar constructs.
• Drive the full credit product lifecycle: eligibility, offer creation, underwriting, disbursement, collections, and repeat/renewal — designing for speed, scale, and trust.
• Partner with Data Science and Risk to shape credit models and risk-based pricing.
• Lead geographic and currency expansion and deepen marketplace integrations.
• Define the north-star and success metrics and run experiments that move them.
• Collaborate across Data, Design, Engineering, Risk, Legal/Compliance, and GTM to translate strategy into shipped business outcomes.
  
  

• Strong 6+ years of experience delivering fintech, lending/credit, or platform products at scale, end-to-end from discovery to production.
• Proven ability to ship data-driven products in close partnership with Data Science and Risk (models, underwriting, pricing).
• Strong product sense and systems thinking across eligibility, offers, decisioning, and platform/API design.
• Fluency with metrics, experimentation, and funnel optimization to drive conversion and retention.
• Experience leading cross-functional squads in Agile product development environments.
  
  

• Experience in NBFC/SMB/embedded lending, working capital, SME credit, or invoice/receivables financing.
• Exposure to global payments, cross-border flows, or marketplace ecosystems.
• Familiarity with credit risk, underwriting, collections, and cross-market regulatory considerations.
• Prior experience scaling products from growth to maturity, and standing up partner or marketplace platforms.