• Responsible for the product design and iteration of the company's payment middle platform, order system, and clearing module in Europe and Latin America, serving as the main person in charge of the company's core payment infrastructure product line. • Drive the product development roadmap, and execution for the global fiat payment platform, focusing on backend capabilities. • Lead the design of the full lifecycle management system for orders: order creation, status transition, timeout handling, and reconciliation closed loop. • Design the clearing system: T+0/T+1 settlement schemes, multi-currency reconciliation rules, error handling, and fund verification. • Recommend integration strategy for global payment channels (PSPs, bank rails, local payment methods), ensuring scalable and standardized integration frameworks. • Build and optimize core system modules, including transaction lifecycle management, success rate optimization, latency reduction, and failure handling. • Partner with engineering, risk, compliance, and finance teams to design robust systems for settlement, reconciliation, and fund flow management. • Drive platform-level improvements to support global scalability, including multi-region architecture, localization frameworks, and system abstraction. • Define and monitor key system metrics (e.g., success rate, latency, reliability), and drive continuous optimization through data and experimentation. • Collaborate with internal product teams (e.g., wallet, account, growth infrastructure) to ensure seamless integration of payment capabilities across the ecosystem. • Act as a strong individual contributor, proactively identifying system gaps and driving end-to-end execution in a complex environment.

• Develop product lifecycle (end-to-end) for global Fiat On Ramp and Marketplace Solution and e-Commerce. • Develop product strategies ensuring alignment with global business goals. • Drive data-driven decision-making — translate insights into actionable product initiatives. • Collaborate with cross-functional teams (engineering, design, compliance, risk, BD, and marketing) to ship high-impact global features and ensure operational excellence. • Support market research and competitor analysis across regions to identify emerging trends, regulatory nuances, and local product opportunities. • Partner with business operations to design solutions that enhance product conversion and engagement. • Leverage AI and automation tools to improve operational efficiency and product experience quality. • Work independently as an individual contributor (IC), demonstrating strategic ownership, execution discipline, and proactive leadership in a fast-paced environment.

• Lead the modernization and consolidation product roadmap execution across multiple scrum teams supporting the full benefits administration portfolio • Coordinate product priorities, release sequencing, and dependencies across multiple Product Owners — each owning their team's individual backlog — to deliver the portfolio roadmap • Own end-to-end execution of platform migration workstreams from current-state architecture into the target environment • Partner with engineering, compliance, operations, fraud, finance, and executive leadership to define and continuously refine product and platform strategy • Translate complex operational and regulatory requirements into scalable technical product solutions, with deep attention to HIPAA and PHI/PII compliance across every system touch point • Drive backend platform improvements related to data architecture, integrations, workflows, reporting, and operational tooling across the team-of-teams • Own technical product execution for initiatives spanning HSA, FSA, HRA, COBRA, retirement administration, commuter, compliance systems, and fraud operations • Facilitate workshops and discovery sessions to identify gaps across legacy systems and define future-state architecture requirements • Work closely with engineering teams on APIs, data flows, platform dependencies, migration planning, and systems interoperability across third-party retirement administration platforms • Prioritize modernization roadmaps balancing business impact, compliance risk, technical debt, and operational scalability across competing demands from multiple delivery teams • Help establish long-term product strategy around recordkeeping, retirement administration, and backend administration infrastructure

• Help define product strategy with clear, supportable objectives and long-term vision that align with strategic priorities. • Collaborate with cross-functional teams to ensure product delivery and quality goals are achieved and maintained. • Craft KPIs, develop a product roadmap, and write user stories/requirements for your areas of ownership. • Provide input to and develop operational plans; work with Senior Management to ensure that plans are integrated with broader strategies; present project plans and results. • Engage with internal stakeholders to gather feedback, glean insights, and understand pain points to enhance product offerings. • Ensure clear and comprehensive documentation, guidelines, and usage examples to facilitate seamless customer integration.