About the Role

The Product Owner will be responsible for all Tangem Pay (TP) related products, including payment flows, internal tooling, financial rails, and monitoring capabilities.

The role focuses on product execution, reliability, and operational scalability, rather than commercial ownership.

Key Responsibilities

Product Leadership & Scope

• Own the product vision, roadmap, and success metrics across all Tangem Pay products, not limited to on/off-ramp or local payments.
• Ensure alignment between payment experiences, internal operations tooling, financial infrastructure, and monitoring platforms.
• Translate company-level strategy into executable product initiatives across TP squads. Execution & Squad Collaboration
• Work across four core squads:
  1. Operations / Admin Panel Squad – internal tools for ops, support, and dispute handling.
  2. Payment Product Squad – user-facing payment flows and experiences.
  3. Financial Rails Squad – integrations with external payment schemes and providers.
  4. Monitoring Platform Squad – transaction monitoring, alerts, and operational visibility.
• Manage the full product lifecycle: discovery → specification → delivery → launch → iteration.
• Maintain clear documentation, user stories, acceptance criteria, and sprint planning. Payment Infrastructure & Financial Rails
• Drive integrations with local and global payment schemes (ACH, SEPA / SEPA Instant, PIX, UPI, SPEI, etc.) via API partners or direct connections.
• Collaborate with backend teams on scalable orchestration, settlement, reconciliation, and failure-handling flows.
• Ensure reliability and consistency of payment processing across regions. Admin Panel & Operations Enablement
• Own the admin panel and internal tooling used by operations, compliance, and support teams.
• Ensure scalable workflows for:
  • Transaction reviews
  • Disputes and exceptions
  • Settlements and reconciliation
  • Customer support escalation
• Balance operational efficiency with compliance and risk requirements. Compliance, Risk & Monitoring
• Partner with compliance teams to enable reusable and consistent KYC/KYB flows across TP products.
• Collaborate with risk and monitoring squads to support:
  • Fraud and AML monitoring
  • Alerting and case management
  • Audit-ready data and logs
• Ensure smooth partner audits and regulatory interactions. Cross-Product & Platform Collaboration
• Collaborate closely with Wallet, Infrastructure, and Growth teams to ensure unified UX and interoperability.
• Align frontend and backend experiences across all TP-related products.

Requirements

Experience

• Hands-on experience with payment rails and financial infrastructure.
• Experience working with multiple squads in parallel.
• Strong background in API-driven, compliance-heavy systems. Skills
• Deep understanding of payment systems, settlement cycles, and integration patterns.
• Ability to translate complex technical and regulatory constraints into clear product requirements.
• Strong communication skills across engineering, compliance, operations, and leadership.
• Data-driven approach to defining and measuring product success. Mindset & Leadership
• Strong ownership mentality focused on delivery and reliability.
• Comfortable operating in ambiguous, fast-changing environments.
• Global mindset with experience working across regions and time zones.

Success Metrics

1. Product Delivery & Coverage

• # of Tangem Pay payment schemes and platform components launched (e.g., ACH, SEPA Instant, PIX, UPI, SPEI, internal admin and monitoring tools) within planned timelines.
• Speed to launch new geographies, partners, and platform capabilities (time from partner or scope approval → production go-live).
• API and platform integration quality, measured by depth of supported features and reduction of engineering rework.

2. User Adoption & Platform Usage

• Monthly active users of Tangem Pay payment features across regions.
• Volume and value of transactions executed via Tangem Pay payment rails.
• Conversion rates from onboarding to first successful transaction.
• Cross-product activation (e.g., % of Tangem Pay users adopting multiple payment features; % of wallet users using Tangem Pay payment flows).

3. Operational Excellence

• Transaction success rate (STP – Straight Through Processing).
• Payment and platform failure rates and root-cause reduction over time (e.g., validation errors, compliance blocks, partner outages).
• Average processing time versus scheme and internal platform benchmarks (e.g., SEPA Instant < 10 seconds).
• Reduction of customer support and operations tickets related to Tangem Pay products.

4. Compliance & Risk Performance

• Reuse rate of unified KYC/KYB across Tangem Pay products (minimizing repeated onboarding).
• False-positive reduction in fraud/AML monitoring due to improved data quality and workflows.
• Regulatory incident rate (zero critical compliance breaches; smooth audits with partners).

Why Join Us?

You will build one of the most foundational layers of Tangem’s “Web3 bank” vision — the infrastructure that enables users to move value instantly and globally, regardless of geography or asset type. This role offers the opportunity to build a world-class payments capability from the ground up, shaping a product that will serve millions of users across continents.

What we offer

• Stability, development, participation in the future unicorn's growth;
• Remote work from anywhere in the world, with a schedule aligned with GMT+3;
• Competitive salary in EURO/USDT;