Product Manager, Payment Rails

GURU PAY

. Take card programmes from start to go-live, using a written definition of "live": certification passed, settlement reconciled to the ledger, monitoring running, compliance sign-off recorded and a real client transaction settled .

Posted 10/6/2026full-timeVilnius • LithuaniaSeniorLead💰 €5,500 per monthWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive experience in product management within the payments sector, with a focus on card issuing and processing programs. Capable of managing compliance, technical requirements, and cost analysis while collaborating effectively with cross-functional teams.

Highest-signal resume keywords

Product ManagementCard IssuingPayments ProcessingCompliance ManagementCost Analysis

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Message FlowsAPIsReconciliationSettlementCost Per TransactionPerformance ScorecardCertification PlanTechnical EscalationsDecline Rate ManagementMonthly Run-Health Reporting

Soft Skills

Strong English CommunicationCollaboration

Tools & Technologies

Visa DirectMastercard SendCENTROlinkISO 20022

Certifications & Qualifications

PCI-DSS Compliance

Industry Keywords

Cross-Border PaymentsCorrespondent BankingEEA Electronic-Money RegulationBIN SponsorshipScheme Audit

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

Take card programmes from start to go-live, using a written definition of "live": certification passed, settlement reconciled to the ledger, monitoring running, compliance sign-off recorded and a real client transaction settled
Own the rails roadmap for card issuing and processing, push-to-card payouts such as Visa Direct and Mastercard Send, and bank correspondent integrations in dependency order
Maintain clear visibility on what is blocked by Guru Pay versus providers or schemes
Evaluate technical providers, maintain a performance scorecard covering uptime, decline rate, incidents and response times, and lead technical escalations
Track cost per transaction on each rail, decide which rail carries each corridor, and provide Sales with cost inputs for pricing
Own the certification plan covering scheme, sponsor and PCI-DSS requirements; involve AML, Risk and Compliance from the start
Plan ahead for mandatory scheme releases
Write buildable requirements covering message flows, states, failure and reversal paths, limits, cut-offs and reconciliation
Remain accountable for each rail after go-live, including volumes, decline and timeout rates, approval rates, incidents and monthly run-health reporting
Work closely with Core Banking, Payments Ops, Client Care, Sales and Compliance

Requirements

What you’ll need

7+ years in product management, mostly in payments, on programmes that depended on outside parties
Experience taking a card issuing or processing programme live at a regulated firm and running it afterwards
Experience working with several providers at once, with conflicting roadmaps
Ability to read a scheme mandate or provider contract and explain what it commits us to
Technical depth to discuss message flows, APIs, idempotency, reconciliation and settlement directly with engineers
Experience owning a cost number
Strong English communication, with engineers and non-technical colleagues alike
CENTROlink experience (running SEPA payments through an EMI's own Bank of Lithuania access) (nice to have)
Correspondent banking or cross-border payments (nice to have)
BIN sponsorship or scheme audit experience (nice to have)
Push-to-card payouts, ISO 20022 or multi-currency settlement (nice to have)
Knowledge of EEA electronic-money or payment-institution regulation, including audit (nice to have)

Benefits

Comp & perks

Gross salary starting from 5500 EUR Gross
Encouragement and funds to support your learning needs
An extra vacation day on your birthday
Hybrid work options between the office in Vilnius and anywhere you desire
Workations, health challenges & other types of quality time