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Cross-Border Product Manager

Technical Product ManagerTechnical Product ManagerFull TimeRemoteLeadTeam 51-200Since 2024H1B No SponsorCompany SiteLinkedIn

Location

Mexico

Posted

15 hours ago

Salary

0

Seniority

Lead

No structured requirement data.

Job Description

Cross-Border Product Manager

Monato

Role Description Buscamos un/a Cross-Border Product Manager que tome ownership total del producto Cross-Border — desde la visión, la estrategia y el roadmap hasta su operación regulada y rentable en producción, para convertirlo en una línea de negocio escalable de pagos internacionales. Este rol no es para gestionar backlog ni priorizar lo que los stakeholders piden. Es para construir y operar una línea de negocio financiera donde producto, regulación, riesgo, liquidez y revenue están profundamente conectados. La misión del rol es construir el producto: robustecer la infraestructura propia, agrandar el margen del producto y llegar a las metas y forecast establecido en los próximos trimestres. - Definir la visión, estrategia y roadmap de Cross-Border en tres etapas: - (S1) shipping del producto base sobre IFPE, wallet multi-moneda, VA/VNA en USA y corredor China automatizado; - (S2) internalización de márgenes, custody y yield de stablecoins, motor de FX dinámico; - (S3) ledger propio, ruteo multi-proveedor y forwards. - Diseñar y optimizar el modelo económico del producto: pricing, spreads, costos operativos y liquidez, priorizando iniciativas que balancean revenue, riesgo, velocidad y complejidad. - Desbloquear el pipeline actual: VA/VNA en USA, corredor China, onboarding pesado, pricing e integración de SPEI dentro del XB API. - Construcción de corredores directos (US, EUR/SEPA, CNY) y el manejo de partners de liquidez y custodia. - Definir la estrategia de stablecoins: minting y burning (ej. USDC), decisión custodial vs. no-custodial, coverage de cadenas, tokens y yields, asegurando eficiencia, seguridad y cumplimiento normativo. - Trabajar con Legal/Compliance el mapeo regulatorio para ownership completo del flujo bajo incluyendo obligaciones regulatorias y contractuales, así como flujos operativos para empresas en México. - Medir y reportar la economía por corredor: TPV, spread, take rate vs. revenue share, netting inbound/outbound y conciliación automatizada de basis points, además de KPIs críticos de latencia, fiabilidad y costo por transacción. - Coordinar y alinear a Ingeniería, Compliance, Operaciones y Negocio, ejerciendo liderazgo sin autoridad formal, y priorizar con Growth el sequencing de ICPs. - Tomar decisiones bajo incertidumbre regulatoria y operativa, asumiendo accountability por el impacto financiero y por la estabilidad del producto en producción. Qualifications - 6+ años como PM, mínimo 3 en pagos, cross-border, FX o infraestructura fintech B2B. - Haber lanzado y operado productos sobre rieles regulados (no wrappers) con impacto directo en revenue. - Inglés avanzado (Conversacional). - Experiencia gestionando productos de misión crítica que procesan transacciones, settlement, conciliaciones y FX. - Dominio técnico de pagos: SPEI, SPID, TEF, ACH, SWIFT, VA/VNA/FBO, CLABE, CEP, stablecoins (USDC/USDT, on-ramp/off-ramp, custody, sweep, minting/burning) y FX (spot, forwards, rate lock). - Capacidad de modelar spreads, costos por transacción y márgenes. - Fluidez técnica: APIs REST, webhooks, ledgers, arquitectura de cuentas jerárquicas y SQL. - Capaz de implementar APIs de terceros y de conversar con ingeniería y marketing sin traductor. - Perfil: outcome-first, hands-on, liderazgo por influencia y capacidad de decir que no. - (Deseable) Conocimiento de mercados asiáticos. - (Deseable) Certificaciones o proyectos con Chainalysis, Fireblocks, Circle o Tether. - (Deseable) Background técnico o alta alfabetización en cripto y seguridad. Requirements - 6+ años como PM, mínimo 3 en pagos, cross-border, FX o infraestructura fintech B2B. - Haber lanzado y operado productos sobre rieles regulados (no wrappers) con impacto directo en revenue. - Inglés avanzado (Conversacional). - Experiencia gestionando productos de misión crítica que procesan transacciones, settlement, conciliaciones y FX. - Dominio técnico de pagos: SPEI, SPID, TEF, ACH, SWIFT, VA/VNA/FBO, CLABE, CEP, stablecoins (USDC/USDT, on-ramp/off-ramp, custody, sweep, minting/burning) y FX (spot, forwards, rate lock). - Regulación MX: marcos IFPE (LRITF, CUITF), Ley Antilavado (LFPIORPI), reportes a Banxico y CNBV, y licencias VASP. - Capacidad de modelar spreads, costos por transacción y márgenes. - Fluidez técnica: APIs REST, webhooks, ledgers, arquitectura de cuentas jerárquicas y SQL. - Capaz de implementar APIs de terceros y de conversar con ingeniería y marketing sin traductor. Benefits - Ownership real de una línea de negocio core con impacto directo en resultados. - Construir infraestructura financiera internacional desde cero. - Exposición a flujos internacionales de dinero y regulación financiera. - Alta autonomía y visibilidad directa con liderazgo. - Proyección para liderar la unidad Cross-Border conforme crezca el negocio.

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