Product Manager - Payments (m/f/x) (onsite / remote in Germany)

Scalable Capital is a leading digital investment platform in Europe. The company empowers everyone to shape their financial future. Scalable Broker makes it easy and affordable for clients to invest professionally in stocks, ETFs and other exchange-traded products and set up savings plans. Scalable Wealth, the digital wealth management service, offers clients professional investment in ETF portfolios and is also adopted as a white-label solution by renowned B2B partners. With the European Investor Exchange (EIX) Scalable Capital offers a stock exchange for retail investors in Europe. Over 27 billion euro is held on the platform by more than one million clients.

Scalable Capital was founded in 2014 and employs more than 500 people at its offices in Munich, Berlin, Vienna, and London. Together with the founding and management team around Erik Podzuweit and Florian Prucker, they are working on a new generation of financial services.

Visit our finance blog or check out our Social Media channels to find out what our Expert Teams have to say.

Our Company Values guide us every day in how we work and collaborate. To learn more about them, you can find our values here (English).

You get excited when you hear things like SCT, PSP and EPC? You don't flinch at camt.052 and SWIFT MT940? We might be looking for you. 

We are seeking a passionate and experienced Product Manager (PM) to oversee the development and enhancement of the payments offerings on our new investment platform. 

As the PM for payments, you will play a crucial role in developing our payment services, ensuring that our platform meets the evolving needs of our clients while adhering to industry standards. You will work alongside a highly motivated team of software engineers, product managers and academics implementing change in the financial industry.

Key Responsibilities

• End-to-End Product Ownership: Own the product development process from discovery to launch, ensuring high-quality delivery of innovative solutions to challenging problems.
• Product Strategy & Roadmap Development: Define and execute a comprehensive product strategy and roadmap that aligns with client needs and company goals.
• Client Experience: Implement user-centric improvements across our payments offerings, enhancing the platform to meet changing client expectations.
• Stakeholder Coordination: Collaborate with internal teams, external partners, and regulatory bodies to ensure seamless integration of payment solutions with other Scalable Capital services and the complex and regulated capital markets infrastructure.
• Delivery Management: Coordinate resources, create timelines, and manage dependencies across teams to ensure optimal delivery of products.
• Agile Methodologies: Utilize agile methodologies to drive product development, facilitating regular ceremonies including sprint planning, retrospectives, and cross-team alignments to enhance collaboration and transparency.

• In-depth knowledge of SEPA payments, including Credit Transfer (SCT), Direct Debit (SDD), Instant Credit Transfer (SCT Inst) and R-transactions.
• Familiar with message formats such as camt, pacs, and MT, ensuring effective communication and data exchange between financial institutions.
• Insight into the roles and responsibilities of key entities of the European payment infrastructure, such as SWIFT, Bundesbank, ECB, and EPC, and their interactions within the payment ecosystem.
• Knowledge of regulatory frameworks governing financial transactions and compliance with anti-money laundering (AML) and sanctions laws.
• Passion for technology, finance and digital products
• Experience in product management ideally in the payments or banking domain
• Experience in building highly scalable & reliable cloud-native, microservice-based technology platforms
• Strong analytical thinking, leveraging both quantitative and qualitative data to drive decisions
• Utmost attention to detail and a culture of excellence
• Excellent communication skills that are clear, concise, and targeted towards your audience - software engineer, stakeholder or executive
• A great understanding of and focus on customer problems and needs
• Hands-on mentality: from ideation and research to prototype and user story, you can handle it
• Experience with common agile working tools like Jira, Confluence, Figma and similar applications
• Excellent English communication skills (German is advantageous but not necessary)

• Be part of one of the fastest-growing and most visible Fintech startups in Europe, creating innovative services that have a substantial impact on the lives of our customers
• Work with an international, diverse, inclusive, and ever-growing team that loves creating the best products for our clients
• Enjoy an office in a great location in the middle of Munich or Prenzlauer Berg, a vibrant district surrounded by an exciting array of restaurants, cafés and convenient amenities
• Be productive with the latest hardware and tools
• Learn and grow by joining our in-house knowledge sharing sessions and spending your individual Education Budget 
• Learn and experience German culture first hand by joining our free German language classes
• (International) relocation support
• Flexible vacation policy and the opportunity to work from abroad
• Benefit from an attractive compensation package and from the company pension scheme
• Monthly contribution of 25% for the ‘Deutschland Jobticket’
• Say goodbye to order commissions and say hello to your complimentary subscription of Scalable Capital's PRIME+ Broker