Product Manager

The Problem You’ll Solve

OpenFX can already move money cross-border. But without a world-class collections (Pay-In) layer, we’re missing the front door of the funds flow. Building this unlocks a new category of clients (global platforms, marketplaces, remitters, enterprises) and makes OpenFX materially stickier: once customers collect through us, their entire flow runs on our rails.

Most global businesses still collect money like it’s 2008: opening local bank accounts country-by-country, reconciling fragmented bank statements, and wiring funds back to HQ with delays, hidden fees, and constant operational breakage. If you have hundreds of thousands of customers across countries, “collections” becomes a full-time organisation, just to get paid and understand who paid you.

You ll build the product that fixes this. By owning Pay-Ins end-to-end, from local fiat rails and virtual accounts to fiat→stablecoin routing, to reconciliation that finance teams can close books with, you ll unlock a new category of customers (global platforms, marketplaces, remitters, enterprises) and make OpenFX the default operating system for their global treasury.

You ll be the directly responsible individual for the Pay-Ins charter, from strategy through execution. Ownership isn t about shipping features, it s about delivering outcomes. This means:

Launch Pay-In v1 across priority rails

• Enable customers to collect money in their local markets without opening local bank accounts.
• Launch Pay-In collections through virtual accounts infrastructure on key fiat rails. e.g., ACH/Wire (USD), SEPA (EUR), SPEI (MXN), etc. and then expand.
• Define what “live” means: onboarding, limits, payment references, exceptions, refunds/returns, SLAs, and support playbooks.

Smart Order Routing automation

• Allow customers to programmatically route collected funds to any destination with zero manual intervention.
• Design and build infrastructure that will be used by clients to decide how funds received into virtual accounts can be converted and routed:
• Own the product decisions and the integration path with the underlying virtual account + on/off-ramp infrastructure.

Payment tracking + reconciliation that scales globally

• Build end-to-end observability for customers: who paid, when, in what currency, what fee/FX was applied, and where it settled.
• Ship reconciliation primitives: payment references, statement mapping, webhooks, reporting exports, and exception workflows.

12 months in, you’ll know you re succeeding if:

• $5B+/month Pay-In volume processed across local rails (with a clear path to $20B/month next quarter).
• 6+ pay-in rails live and operational (e.g., ACH, Wire, SEPA, SPEI + 2 more), each with defined SLAs, monitoring, and incident playbooks.
• p95 latency $1B+/month in collections through OpenFX infrastructure.
• Onboarding time < 14 days for a standard Pay-In integration (from kickoff to first money collected), measured and improving.
• Auto-reconciliation rate ≥ 95% (payments matched without manual ops), with clear exception workflows for the remaining cases.

Month 1:
Discover and choose the wedge

• You ll conduct 15-20 deep discovery sessions with clients/prospects (marketplaces, enterprises, remitters, payment processors).
• You ll map the current state: how they collect, reconcile, repatriate funds, and where it breaks. Then you ll let the data, not the loudest voice, decide which rails and geographies to prioritize.
• You choose v1 rails based on demand, feasibility, and unit economics and you can defend that choice with numbers.

Month 2:
Align & Plan

• Write a clear PRD and One Pager that articulates the Job to Be Done, Desired Outcomes, and SMART success metrics. Publish Pay-In API + workflow spec (payment references, webhooks, reconciliation model, exceptions)
• Define the fiat→stablecoin routing policy and the customer configuration surface.
• Bring Legal, Compliance, Ops, and Partnerships into the room during definition, and solve constraints before engineering starts coding.

Month 3-6:
Build & Execute

• Rail #1 in development with an integration test plan and a launch readiness checklist.
• Ensure Ops is…