Product Owner (Local Payments)

Tangem is a high-tech company in the blockchain sector founded in 2017, headquartered in Zug, Switzerland, with branches in North America, Eastern Europe, and APAC. Tangem started with the idea of bringing digital assets to the masses using a unique combination of a smartcard-based hardware wallet and mobile applications. The company owns and promotes the technology of hardware cold-wallet for digital assets with secure and simple UX in 220 countries today. Our customers enjoy setup time within 1 minute with the ultimate security level for digital assets on their wallet. Tangem solutions offer multi-support of a growing number of thousands of tokens by a single wallet. SBI Crypto Investment Ltd., the digital asset venture investment company wholly owned by SBI Holdings Inc., has invested $15 million into Tangem in 2019 for mass adoption of blockchain technology.

About the Role

We are looking for a highly skilled Product Owner for Local Payments to lead the development of Tangem’s global bank-transfer and domestic payments capabilities. This role is responsible for designing and delivering a unified product that enables users to move money seamlessly through local payment schemes worldwide—including Fedwire/ACH (US), SEPA & SEPA Instant (EU), PIX (Brazil), UPI (India), SPEI (Mexico) and other regional rails as we expand.

You will own this product end-to-end: from market research, product design, and API integrations with local partners, to frontend user experience, backend orchestration, compliance coordination, and commercial rollout. You will lead a cross-functional squad—including engineers, designers, data specialists, risk, ops, and compliance—ensuring Tangem delivers a best-in-class global payments experience.

Key Responsibilities

Product Leadership & Strategy

• Define the vision, roadmap, and success metrics for the Local Payments product across all supported regions.

• Conduct market analysis on local payment schemes, user needs, competitive offerings, and regulatory constraints.

• Prioritize features and technical delivery in alignment with Tangem’s broader “Store–Grow–Spend” strategy.

Execution & Delivery (Squad Leadership)

• Lead a cross-functional squad, collaborating with engineers, designers, QA, compliance, risk, and operations.

• Manage the full product lifecycle: discovery → specification → delivery → launch → iteration.

• Ensure clear documentation, user stories, acceptance criteria, and sprint planning.

Technical Product Ownership

• Drive integrations with local payment schemes (Fedwire/ACH, SEPA/SEPA Instant, PIX, UPI, SPEI, etc.) through API partners or direct connections.

• Collaborate closely with backend teams to design scalable orchestration, settlement and reconciliation flows.

• Lead the design of seamless frontend experiences for sending, receiving, and tracking payments.

Partnerships & Vendor Management

• Identify, evaluate, and onboard technical partners offering local payment rails.

• Own the relationship with providers, including contracts, SLAs, API integrations, and ongoing optimizations.

Compliance, Risk & Operations Coordination

• Work with compliance to enable a unified, reusable KYC/KYB experience across all local payment products.

• Partner with risk and monitoring teams to ensure robust fraud, AML, and transaction monitoring controls.

• Coordinate with operations to ensure scalable dispute handling, settlement processes, and customer support flows.

Cross-Product Collaboration

• Work with the Tangem Pay squad to unlock seamless on/off-ramps for the card product.

• Collaborate with Wallet, Growth, and Infrastructure squads to ensure interoperability and unified UX.

• Influence company-wide payment strategy with insights from local market dynamics.

Requirements

Experience

• 5+ years in Product Management, preferably in fintech, payments, or banking infrastructure.

• Direct experience building or integrating local payment rails (ACH, SEPA, PIX, UPI, etc.).

• Proven leadership in a squad-based or cross-functional environment.

• Experience with API products, payment orchestration, settlement flows, and compliance-heavy systems.

Skills

• Strong technical understanding of payment systems, including messaging formats, settlement cycles, and API structures.

• Excellent communication and stakeholder management skills across engineering, compliance, commercial, and executive teams.

• Ability to translate complex regulatory and technical challenges into simple, intuitive user experiences.

• Strong analytical mindset with comfort interpreting data and defining success metrics.

Mindset & Leadership

• Ownership mentality with a bias for action and delivering measurable outcomes.

• Comfortable with ambiguity and fast-changing requirements.

• Global-first perspective and willingness to work across time zones and cultures.

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;

• We use the latest technologies, no legacy;

• Remote work from anywhere in the world, with a schedule aligned with GMT+3;

• Competitive salary in EURO/USDT;

• 20 working days of paid vacation;

• Birthday presents;

• Compensation for the purchase of necessary technical devices for the work;

• Paid sick leaves.

If you're interested, send your resume to Ivan on ipanteleev@tangem.com!